Abhishek Bhargava
Fraud Control & Risk Management
Jaipur
Summary
I am Abhishek Bhargava, presently working as QR Risk lead in "One 97 Communications Ltd", having an overall experience of 19+ years with a proven record of accomplishments in planning and leading comprehensive marketing strategies in support of business goals and objectives. Recognized for consistently exceeding goals and maintaining growth over the years. Adept at comprehensive program management, fraud & risk management, process orientation and outsourcing operations management. Developed & managed vendors, team members & third party employees and implemented business processes with a focus on growth, fraud mitigation and profitability.
Overview
19
19
years of professional experience
Work History
QR Risk Lead - Associate Vice President - Risk
One 97 Communications Ltd.
Noida
11.2023 - Current
- Managing Fraud prevention, detection & mitigation
- Lifecycle management of customer onboarding, monitoring, portfolio management & compliance
- Chargeback and risk monitoring for QR & EDC merchant's
- Develop comprehensive project plans along with key stakeholders
- Track Program/Project performance, specifically to analyse the completion of short and long term goals
- Engage with various business and technology teams to identify and resolve common bottlenecks
- Policy formation, Risk analytics & data backed decisioning
- End to end management of consumer risk function & provisioning norms.
Vice President- Fraud control & Investigation - Retail Assets
YES BANK LTD
Delhi
12.2019 - 11.2023
- Responsible for Investigation related activities for asset products in North region
- Lead investigations on incidents referred to the region, examining appropriate records and documentation, interviewing all relevant parties internally and externally and reporting findings to management/regulator in a timely manner
- Process and Policy correction/updation to be taken with respective stakeholders as appropriate
- Liaising and maintenance of effective communication with Police, Government authorities for effective deterent setting and also with industry peers to gather updates on market
- Train the Staff / external agencies on fraud awareness in order to reduce / early detection of such instances.
Assistant Vice President - Fraud Control & Investigation
HDFC BANK LTD
Jaipur
03.2015 - 11.2019
- To curb fraudulent activities & to safeguard the organization from possible financial exposure & to contain fraud losses within predefined budget
- Managing the Retail Assets & Payment Business portfolio for Rajasthan & Uttar Pradesh states
- Seeding & Mystery Shopping and Vendor & stakeholder Management
- Collection vendor audit, Negative Mutation checks & Early Mortality Portfolio review.
Zonal Manager (East) Fraud Control & Investigation
GE CAPITAL PVT. LTD
Kolkata
12.2013 - 03.2015
- Supervising the fraud screening and sampling of credit card applications, Ensuring roll out of monthly vendor report cards, keep check on TAT and sampling quality, ensuring timely investigations of all fraud cases detected, preparation of case sheets on cases investigated for presentation to the Fraud Loss Approval Committee
- To carry out fraud investigation investigations on suspected fraudulent, criminal and other security breach activities as detected or reported for East locations, providing an independent investigation report for management and represent the bank in any related police and court proceedings
- Liaising and maintenance of effective communication with Police, Government authorities and external fraud investigators to collate and share intelligence as appropriate, and to ensure that senior management is kept abreast of the most up to date information/intelligence on crime.
Manager - Fraud Detection
GE CAPITAL PVT. LTD
Gurgaon
10.2010 - 11.2013
- The falcon, the best in class card transaction monitoring tool works basis the score threshold & taking into purview the customers past spending history and helps the business to curb unconsented use of the card
- Managing the team of 16 Falcon Analysts to manage Falcon & other detection process in order to curb probable fraud, working in a 24
- 7 shift & capacity planning of the unit
- Optimize the utilization of fraud detection tool and monitor the efficiency
- Report fraud on a timely basis to associations (visa int
- MasterCard) & Regulators.
Collection Manager
GE CAPITAL PVT. LTD
Jaipur
04.2005 - 09.2010
- Monitor and control Delinquency and Credit losses in Credit Cards Portfolio
- Exercise adequate control over in-house Calling team and external agencies
- Control attrition of cardholders using effective telecalling and marketing tools
- Conduct periodic audits related to collection agencies and processes
- Supervise and develop direct reports.
Education
Post Graduate Diploma In Business Management - undefined
Manipal Institute of Management, MAHE
Bangalore, India 04.2003 - 3 2005
Bachelor of Commerce in Accounting & Business Statistics - undefined
University of Rajasthan
Jaipur, India 07.1996 - 6 1999
Skills
Fraud Control & Risk Mitigation
Timeline
QR Risk Lead - Associate Vice President - Risk
One 97 Communications Ltd.
11.2023 - Current
Vice President- Fraud control & Investigation - Retail Assets
YES BANK LTD
12.2019 - 11.2023
Assistant Vice President - Fraud Control & Investigation
HDFC BANK LTD
03.2015 - 11.2019
Zonal Manager (East) Fraud Control & Investigation
GE CAPITAL PVT. LTD
12.2013 - 03.2015
Manager - Fraud Detection
GE CAPITAL PVT. LTD
10.2010 - 11.2013
Collection Manager
GE CAPITAL PVT. LTD
04.2005 - 09.2010
Post Graduate Diploma In Business Management - undefined
Manipal Institute of Management, MAHE
04.2003 - 3 2005
Bachelor of Commerce in Accounting & Business Statistics - undefined
University of Rajasthan
07.1996 - 6 1999
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