Anindya Bhattacharya
Chennai
Summary
Dynamic Fraud Risk Manager with a proven track record at Equitas Small Finance Bank, specializing in fraud risk assessment and digital payment solutions. Achieved significant fraud loss reductions through innovative strategies and effective team leadership. Expert in stakeholder engagement and vendor management, driving operational excellence in fast-paced environments.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Fraud Risk Manager – Credit Cards
Equitas Small Finance Bank Ltd
Chennai
07.2024 - Current
- Developed comprehensive Fraud Risk Management framework for continuous credit card transaction oversight through effective rule implementation and system validation.
- Achieved reduction in fraud losses via real-time decisioning and manual intervention strategies.
- Guided analysts in daily operations, focusing on quality control and operational efficiency.
- Partnered with governance teams to refine rules based on emerging fraud patterns.
- Actively participated in launch of Credit Cards and Personal Loans, establishing essential risk controls.
- Directed several digital automation projects, performing thorough gap analyses and requirements assessments.
- Sourced and onboarded legitimate vendors to enhance operational capabilities in fraud management.
Team Leader – Fraud Prevention, Payments Business
HDFC Bank Ltd
Chennai
10.2013 - 07.2024
- Lead a team monitoring fraud alerts across cards, UPI, and e‑commerce transactions.
- Spearheaded PAN‑India training project with UPGRAD, certifying 320+ staff in call etiquette and escalation handling.
- Had been instrumental in orchestrating the framework for BGV activities for Outsourced staffs joining under manpower vendors across verticals like TW Sales,Credit, IT & Ops.
- Spearheaded cross‑sell initiative for different Term products like Smart EMI, Limit Enhancement, Jumbo/ Insta Loans products and generated revenue for the bank.
- Conducted quarterly vendor audits, regular merchant training, and mystery shopping to strengthen fraud containment.
Manager – E‑Commerce (East & North East)
HDFC Bank Ltd
Kolkata
07.2011 - 10.2013
- Drove merchant acquisition for HDFC’s online payment gateway and mobile POS solutions.
- Closed key deals with XLRI, ISKCON, Mizoram PSC, and others for digital payment enablement.
Manager – Online Payments Solutions
TechProcess Payments Solutions Ltd
Kolkata
07.2010 - 07.2011
- Managed sales of e‑banking products including payment gateways, EBPP, ECS, and internet banking tie‑ups.
- Enabled digital solutions for mutual funds, broking platforms.
Client Acquisition Manager
Indiamart Intermesh Ltd
Kolkata
12.2009 - 06.2010
- Acquired SMEs for India’s largest B2B portal, enabling online presence and lead generation.
Business Development Manager
Panoramic Universal Ltd
Kolkata
04.2009 - 12.2009
- Managed time‑share business for 4 branches across West Bengal.
Assistant Business Development Manager
Tata AIA Life Insurance Co. Ltd
Kolkata
09.2007 - 07.2008
- Recruited and trained life insurance advisors, ensuring IRDAI licensing and sales target achievement.
Administrator / Faculty
Global IT Sources (ATC of C‑DAC)
07.2003 - 02.2005
- Conducted IT training sessions for Indian Army, banks, and educational institutes.
Education
MBA -
ICFAI Business School
Bhubaneswar04-2007
B.Sc. -
Calcutta University
04-2003
Higher Secondary -
W.B.B.H.S.C
03-2000
Secondary Education -
W.B.B.S.E
04-1998
Skills
- Digital payment solutions
- Fraud risk assessment
- Risk management frameworks
- Transaction monitoring
- Vendor management
- Team leadership
- Training development
- Stakeholder engagement
- Cross-functional collaboration
- Quantitative analysis
Personal Information
- Date of Birth: 12/21/81
- Marital Status: Married
Certifications And Achievements
- Appreciation for enabling digital payment tie‑ups with United Bank of India and key institutions.
Languages
English
Advanced (C1)
C1
hindi
Upper Intermediate (B2)
B2
Bengali
Proficient (C2)
C2
Certification
Honors Diploma in Software Engineering - APTECH Computer Education
Accomplishments
Special Contribution Awards for cross‑sell initiatives (FY 2013–14, 2015–16, 2016–17, 2018–19) at HDFC Bank
Timeline
Fraud Risk Manager – Credit Cards
Equitas Small Finance Bank Ltd
07.2024 - Current
Team Leader – Fraud Prevention, Payments Business
HDFC Bank Ltd
10.2013 - 07.2024
Manager – E‑Commerce (East & North East)
HDFC Bank Ltd
07.2011 - 10.2013
Manager – Online Payments Solutions
TechProcess Payments Solutions Ltd
07.2010 - 07.2011
Client Acquisition Manager
Indiamart Intermesh Ltd
12.2009 - 06.2010
Business Development Manager
Panoramic Universal Ltd
04.2009 - 12.2009
Assistant Business Development Manager
Tata AIA Life Insurance Co. Ltd
09.2007 - 07.2008
Administrator / Faculty
Global IT Sources (ATC of C‑DAC)
07.2003 - 02.2005
MBA -
ICFAI Business School
B.Sc. -
Calcutta University
Higher Secondary -
W.B.B.H.S.C
Secondary Education -
W.B.B.S.E