Divyansh Puri

Jupiter is a leading digital banking Fintech startup designed around the neo-banking concept. It offers a comprehensive suite of banking and account-related services, including unique savings pots, real-time spending breakdowns and insights, and net worth monitoring. Additionally, Jupiter provides innovative lending products such as On Demand Salary (ODS), Personal Loan and top-tier partnered credit cards on both the Visa and Rupay UPI networks, addressing the credit needs of Indian consumers.

• Collaborated with bank partners and internal stakeholders as part of the core team to launch and develop the innovative Rupay UPI Credit Card, ensuring the establishment of a comprehensive risk framework.
• Pioneered the end-to-end design and execution of onboarding processes and real-time underwriting policies leveraging internal jupiter score, along with a dynamic risk management framework for credit card product, to expertly mitigate fraud and credit risk.
• Collaboratively brainstormed, designed, and developed the advanced A-B Score system for enhanced user and limit management post-onboarding. Utilized risk tiering capabilities derived from this system, based on application, transactional, and repayment behavior parameters, to optimize portfolio management and significantly improve user experience.
• Led the conceptualization, creation, and Implementation of the holistic FRM Transaction Monitoring Policy. This entailed meticulous analysis of merchant profiles, user tenure across varying levels, risk tiers, and transaction attributes such as velocity and utilization, alongside transaction channels and customer-merchant association. Additionally, conducted ongoing scrutiny of each rule to minimize false positives and optimize the policy for fraud prevention while ensuring alignment with Business objectives.
• Crafted Standard Operating Procedures (SOPs) for Suspicious Transaction Review Mechanism, as well as spearheading the development of AFA rule engine. Leveraged feedback loops and performed analytics on gathered data to identify recent fraud trends, thus optimizing our risk management capability.
• Instrumental in publishing a spectrum of risk metrics and analytical insights for continuous monitoring of the credit card portfolio, gauging its health and performance. Collaborated closely with business teams to address various decision-making needs, facilitating business expansion while minimizing risk. Strategically planned market expansion initiatives to align with business objectives and optimize portfolio loss rates.
• Partnered with key stakeholders from major Indian credit bureaus, including CIBIL and Equifax, to integrate their product offerings into credit card underwriting processes, significantly enhancing risk management. Additionally, managed bureau-related tasks including Bureau Reporting, Dispute Resolution, Scrub and pre-screen requests.
• Improved decision-making processes by providing insightful recommendations based on data thorough risk analytics.

• Conceptualized and Integrated an advanced Fraud Risk Engine for Jupiter's 2.0 Decoupling Project. This system incorporated diverse risk policies across various onboarding phases to prevent fraudulent user onboarding, leveraging data such as device intelligence, email quality scores, demographic velocity checks, links to known fraudulent users, and out-of-pattern behavior analysis.
• Developed a suite of fraud risk scanners to identify and block fraudulent accounts post-onboarding, particularly during low tenure periods.These scanners analyzed early transactional behaviors and detected connections to recent fraud trends, effectively preventing money laundering, account takeovers, as well as first-party and third-party fraud.
• Managed multiple vendor integrations, including Sign3, Hyperverge, and Karza, to leverage their data signals in conjunction with KYC data from EKYC and Digilocker. This integration facilitated the implementation of risk checks during the liveness stage of onboarding, significantly mitigating identity theft cases.
• Streamlined reporting processes for efficient communication of key risk indicators to stakeholders.
• Conducted regular reviews of existing risk management practices, recommending improvements as needed.

• This internship focused on promoting Cyber security awareness and leveraging this knowledge to understand real life case studies.
• Participated in penetration testing exercises to assess the effectiveness of current security measures and recommend improvements.

• Developed object detection features for multimedia messaging application.
• Designed experiments to validate the effectiveness of various machine learning approaches in addressing project objectives.
• Presented findings and recommendations to stakeholders through detailed reports and visualizations, driving data-driven decision making.