Dhruvi U.

CEO

India4 yrs 11 mos experience

Key Highlights

Expert in fraud risk management and prevention.
Proven track record in optimizing payment processes.
Award-winning analyst with strong data analytics skills.

Stackforce AI infers this person is a Fintech professional specializing in payments and fraud risk management.

Contact

Skills

Core Skills

Payments OptimizationFinancial AnalysisFraud Risk ManagementRisk Management

Other Skills

Cost of Payments platformPayment acceptance optimizationReportingReconciliationDeal modellingNetwork cost analysisAcceptance rate improvementAnti-Money LaunderingAlgorithm DesignScenario DesignStress TestingForecastingIFRS9CCAR reportingWomen in Tech Conference & Network Platform

About

Interests : Payments cost optimisation and reporting, Authorisation, Payment Reconciliations across PSPs, Fraud Risk Management , Fraud and Abuse prevention, Digital strategies for payment/ Fintech domain , Data Analytics , Financial Crime, Algorithms development, Model development and validation Previously worked as an assistant manager at American express in the Credit and Fraud Risk Department. Worked with Global Network services Fraud team to prevent fraud on amex network while growing responsibly - i.e keeping auth rates in check. I am proud recipient of Analyst of the Quarter and Star Performer Awards for my projects in the wallets domain, fraudulent applications and card compromise. Also previously I worked with the Scenario Design, Expansion and Analysis team (Entreprise Risk Management) at Credit Suisse (offered PPO). Using Financial Data and Analytics for modelling, projection of macroeconomic and market risk factors under stress for reporting to regulators and thus helping shape the risk strategy at Credit Suisse. Also creates content on emerging tech on LinkedIn.( All views expressed here are personal)

Experience

4 yrs 11 mos

Total Experience

1 yr 7 mos

Average Tenure

1 yr 8 mos

Current Experience

Uber

2 roles

Payments Lead

Mar 2026 – Present · 2 mos

Senior Analyst | Global Core Payments

Sep 2024 – Mar 2026 · 1 yr 6 mos

Owner of Cost of Payments platform on B2C side, we look at optimising the cost of payment acceptance at Uber along with appropriate reporting and reconciliation that meets the accounting requirements. Working closely with largest PSPs on deal modelling, enabling secondary providers in key markets, understanding every element of network costs and improving acceptance rates.

Cost of Payments platformPayment acceptance optimizationReportingReconciliationDeal modellingNetwork cost analysis+3

American express

2 roles

Assistant Manager | Fraud Risk Management Strategy

Promoted

Nov 2023 – Aug 2024 · 9 mos

Analyst | Fraud Risk Management Strategy

Jun 2022 – Nov 2023 · 1 yr 5 mos

Anti-Money LaunderingAlgorithm DesignFraud Risk Management

Credit suisse

2 roles

Analyst, Scenario Design and stress testing

Apr 2021 – May 2022 · 1 yr 1 mo · Mumbai, Maharashtra, India

Scenario Design and Stress Testing Team
Defining the strategic direction of risk management at Credit Suisse by constantly looking for emerging risks and designing a stress Scenario around the same
IFRS9, CCAR reporting, LPA for FINMA
Forecasting 20k+ risk factors accross Macroeconomic (GDP, Unemployment, Inflation) and Market variables ( Equity, Commodities, Rates, Credit, Fx, etc.)
Drive syndication and buy-in from CS research and front office economists, Subject Matter Experts and CRO office

Scenario DesignStress TestingRisk ManagementForecastingIFRS9CCAR reporting+1

Summer Intern

May 2020 – May 2020 · 0 mo · Mumbai, Maharashtra

Achievement - Offered a PPO

Japan- east asia network of exchange for students and youths (jenesys 2.0) alumni

Student Ambassador to Japan

Jun 2012 – Jun 2012 · 0 mo · Japan

One among the top 92 students from India to be selected as Student Ambassador to Japan under JENESYS program
Delivered a speech representing India at the Ministry of Foreign Affairs, Japan.