Aug 2018 – Mar 2020 · 1 yr 7 mos · Gurgaon, Haryana, India

• Managing the product requirements and road Map for Payments Core which includes Wallet Topups, Money Transfers, Gift Cards
• and User Experience along with Risk and Consumer Operations. I was responsible for defining, Designing and detailing of the product solution and writing user stories which are the part of Product Road Map.
• Core Products: Payments, Gift Cards, Money Transfer(IMPS), Risk Management, Customer Experience, User Engagement, Customer Service

Apr 2016 – Apr 2018 · 2 yrs

• Core Competencies :
• Payment Gateways Mobile Payments
• Banking Alliance
• Escrow Account Management
• Merchant On-Boarding
• Banking Relationship Management
• Monitoring Internal Processes & Policies
• Merchant and Transaction Risk Monitoring
• Semi Closed Wallet Management
• Business Processes
• People Management
• Training and Development

Jun 2013 – Mar 2016 · 2 yrs 9 mos

• Managed multiple facets of risk compliance and operations, ensuring robust fraud prevention, process efficiency, and regulatory adherence. Led initiatives to document policies, identify fraud patterns, and implement mitigation strategies to safeguard financial transactions.
• Key Responsibilities & Achievements:
• Fraud Detection & Prevention:
• o Monitored suspicious/fraud data from banks, maintaining a negative database for proactive risk management.
• o Designed and enforced velocity rules based on merchant categories to prevent high-risk transactions.
• o Conducted periodic analysis of Fraud-to-Sales (FTS) and Refund-to-Sales (RTS) ratios to detect anomalies and emerging fraud patterns.
• Merchant Risk & Compliance Oversight:
• o Led quarterly merchant audits to assess active/inactive merchants and detect potential fraud trends.
• o Strengthened the merchant onboarding process, ensuring compliance with regulatory and risk assessment standards.
• Banking & Operations Management:
• o Managed nodal bank registrations, banking alliances, and partnerships to optimize financial workflows.
• o Implemented cost-effective risk mitigation strategies to enhance operational efficiency.
• Demonstrated expertise in fraud risk management, compliance enforcement, merchant operations, and financial process optimization within fintech payment ecosystems.

Jun 2012 – Jun 2013 · 1 yr · Noida Area, India

• Defined and implemented Operational Control functions for all franchisees, ensuring adherence to standards and procedures.
• Conducted training sessions on risk assessment, business continuity, and market penetration for franchisees.
• Developed a new product to assist product managers and drove sales and business development efforts.
• Managed the Customer Service Department and resolved customer complaints, especially those from Senior Management.

Nov 2011 – Mar 2012 · 4 mos · Pune Area, India

• Responsibilities include defining of the Risk and Compliance process to implementation, execution, impact and control stage. Provide functional guidance & support to Team for functional clarifications, arrange Training whenever necessary.
• Defined and implemented Risk and Compliance processes, providing functional guidance and support to the team for functional clarifications.
• Independently modified Risk assessment toolkit to meet company requirements and developed Risk Based approach methods for replication across all gaming networks.
• Developed automated Fraud Scrub system and Risk Management platform, ensuring risk processes are rolled out efficiently.
• Documentation of and Senior Management sign-off on Processes And Activities undertaken by the Team / Unit
• Business As Usual functions such as : Hand History Monitoring and Analysis, Collusion Control, Chip Dumping and Responsible Gaming.

Jul 2010 – Oct 2011 · 1 yr 3 mos · Pune Area, India

• An experienced professional with expertise in gaming operations, focusing on fraud control, supervisory roles, and operational management across national and cross-border units. Key responsibilities include:
• Led fraud prevention efforts through sampling, verification, and profiling to mitigate risks.
• Analyzed fraud trends and near-miss instances to refine processes and provide feedback.
• Investigated suspicious cases to ensure regulatory and internal compliance.
• Maintained databases and prepared reports on fraud, transactions, and credit card activities.
• A comprehensive skill set in identifying, analyzing, and mitigating fraud risks while ensuring smooth operational workflows.