May 2025 – Present · 10 mos

• GML products give SMBs, the access to the capital they need, but faster and easier than traditional loans. We own multiple Lending Products like PayPal Working Capital, PayPal Business Loan, Monthly Term Loan operating in markets across NA, EMEA, APAC. The GML products have already originated more than $20 Billion in funding to over 300k+ SMBs.
• Key Projects
• 1. Partnership : Grey Label Partnership with large enterprise, marketplace to offer Lending as a Service to their core captive audiences
• 2. Expand Product offering to traditional "new to credit" by leveraging open banking capabilities for Credit risk, Fraud risk & KYC decisioning
• 3. Geo Expansion to new markets across Europe, APAC

Jan 2024 – May 2025 · 1 yr 4 mos

• Key Projects
• 1. Integrated Merchant Lending offers within PayPal Mobile App
• 2. Face lifted merchant user Experience to simplify product offerings & improve cross selling of Financial Services suite

Dec 2022 – Dec 2023 · 1 yr

Jan 2021 – Dec 2022 · 1 yr 11 mos

• Key Projects
• 1. Launched Working Capital Loans to New markets in Europe
• Led series of A/B tests to improve funnel conversions. Scaled to $XX m in Loan originations with Y% NPS in first 60 days
• 2. PayPal Business Credit Card for US SMBs:
• a. Launched Co-Branded Credit card to unlock engagement in traditional Low engaged merchants
• b. Leveraged cross selling techniques, personalised ads, notifications to scale to X thousand+ card issuances in first Y days
• c. Leveraged partnership model with white label vendor to quickly expand product offering & cut down project timelines by X%

Jul 2019 – Aug 2019 · 1 mo · Greater Chennai Area

• Key Projects: Acquisition Strategy rewrite
• a. Developed Underwriting strategy & Line Assignment Strategy for Revolving Credit Product in UK
• b. Increased Approval Rates by X %, Average Lines by Y % holding Credit Losses flat
• c.Set up high performing team of 7 Analysts from scratch
• Provisionally promoted and rolled back on resignation

Sep 2017 – Jun 2019 · 1 yr 9 mos · Greater Chennai Area

• Credit Risk Analytics for Paypal Credit UK

Sep 2014 – Sep 2017 · 3 yrs · Greater Chennai Area

• Built data driven strategies for resolution of Paypal Disputes, while balancing Loss exposure and adverse Customer Experience
• Key Projects:
• 1. Real time Tracking ID Validator:
• a. Influenced Product roadmap for Disputes Platform through data strategy & insights to influence Opex metrics
• b. Optimised policies for Returns Handling, Marketplace Abuse, Collusion, Buyer Protection & Seller Protection for timely & efficient handling of Customer complaints
• c. Integrated with 3rd party shipping aggregator for Real Time validation of Tracking Numbers for case adjudication
• d. Developed an adaptive strategy to map custom input values on shippers to improve match rates for shipper identification
• e. Leveraged Real Time tracking validation to optimise case routing to improve Automation % & reduce Inbound calls
• f. Opex savings of $Xmillions per annum from improved efficiencies
• 2. Resolution Center Rewrite
• a. Influenced Product roadmap for overhauling Paypal Resolution Center, Case Management Tool through data insights
• b. Improved trust between Merchants & Customers through new features like Fraud Protection, Real time Chat, Partial refunds, Return Shipment
• c. Ran experimentations to establish benefits from new feature launches
• d. Delivered Opex savings of $XX Millions per annum by improving Automation %, Agent Handling time, NPS, Fraud Loss $
• 3. Seller Protection Loss Optimisation: Leveraged Seller transaction and disputes data to create tiered strategy to optimise Seller Protection costs incurred towards covering Merchant's disputes from Chargeback, Billing disputes etc...