• Led a team of 200 KYC Associates and individually managed Fraud ops team of 6 Fraud Associates.• Identified 20+ frauds and prepared RCA, case studies and came up with mitigation plan for the associates to track and treat fraud.• Played a key role in identifying Vendor/Solutions to reduce risk and fraud such as Karza, Hyperverge, Equifax fraud score etc.• Engaged in closing the deals with vendors to onboarding the new vendors/Solutions after performing analysis on value addon.• Undertook cost negotiations and reconciliations between the company & India’s top vendors such as TransUnion, CRIF, Equifax to maintain the assigned team budget.• Assisted in developing Account Takeover Fraud logic and Fraud Blacklist Repository to curtail Acquisition fraud and third-party fraud which saved over 2 Cr.• Expanded the current college list from 10k to 30k to facilitate more student users and to be operational in more cities by maintaining the overall risk and increasing the approvals.• Developed a system wherein potential fraud and default customers will be identified before the collection cycle where the flagged customers will be sent to a special team for the recovery.• Established new rules to identify fraud customers and therefore not allowing them to get any future enhancements on credit limits which saved over 50 Lakhs.• Conducted regular cost negotiations and vendor analysis of credit operations vendors which saved 2 Cr annually.

• Created daily analysis reports on daily rejections, the overall distribution, resets, and sudden changes in the criteria across all the segments that were causing revenue and enabled team to operate with more approvals.• Developed a new system where graduated student users were able to extend their validity of credit by creating policies and requirements which assisted in boosting the monthly disbursal by 2%.• Generating the daily repayment reminder reports in-order to identify the failed users for whom the event did not get triggered and thereby triggering them manually so that the repayments are not hindered.• Delivered A/B analysis between 2 solutions (Karza & Idfy) to identify whether the vendor services were up to the mark or not by providing the right insights on the projects.• Directed & commenced fraud workshops that wherein we discussed all the potential fraud cases and loopholes that were getting flagged by the alerts and dashboards and therefore made sure that action items discussed in the workshops were met

• Led a team of 12 KYC Associates and formulated a smooth performance tracking system for senior Manager.• Reduced monthly communication expenses - By doing a sound analysis on the outgoing calling structure and costs.• Enabled an efficient credit reporting mechanism and held responsible for dispute settlements of the users.• Curated a fraud analytics mechanism and successfully identified over 15+ major loopholes in the system, which saved over 80 lakhs over a period of 6 months.• Built a framework to track failure rate, success rate and repayment rate of various defaulter segment post covid.

• Developed a card merchant identification and categorization system, which further helped in reducing associated risk.• Successfully underwrote loan close to 80 Crores over a period of 1.5 years with an average per customer TAT of less than 60 minutes.• Worked closely with the Data Science team on developing an SMS based credit risk model by providing timely inputs and validating test results against real life scenarios.• Achieved an overall team TAT of less than 15 hours post customer applying for a Credit Card and consistently maintained an overall error % of less than 1%.