PRADEEP KUMAR P

Professional Experience

• Spearheaded a high-performing Risk QA team in agile environments, driving seamless collaboration, strategic communication, and strong alignment with project goals to ensure timely, high-quality deliverables.
• Monitored Risk QA metrics, tracked defect trends, and provided actionable insights to stakeholders.
• Discuss with QA Manager on risk status, mitigation strategies, and resolutions, driving quality improvements.
• Developed and implemented Quality Framework across the Risk function, standardizing processes for enhanced consistency.
• Facilitated calibration calls with internal teams and partner sites to align on process updates and best practices.
• Conducted audits for 120+ team members across four Risk teams, improving performance and compliance.
• Created a universal checklist to standardize processes, setting expectations in collaboration with team leads and managers.
• Implemented process changes that significantly benefited the organization, earning recognition for impactful contributions.
• Led QA initiatives for RazorpayX, overseeing quality assurance from the project's launch.
• Developed SOPs and training materials, onboarding 100+ new team members for smooth integration.
• Provided training and feedback to agents, driving performance improvements and skill development.
• Revamped 100+ communication templates, improving clarity and effectiveness across teams.
• Performed Quality Checks on agent processes to assess accuracy and manage risk.
• Collaborated with Risk teams on Risk Modeling and merchant audit assessments to ensure compliance.
• Managed audit data for 120+ employees, generating timely reports for leadership.
• Worked with Directors and Managers to implement PIPs and action plans for performance improvement.
• Proficient with Spade Tool, conducting audits and managing detailed reports.
• Reviewed completed work to verify consistency, quality, and conformance.

• Monitored transactions and merchants to proactively identify and mitigate fraud/risk, ensuring optimal triggers and predictive patterns are in place for immediate action.
• Classified merchants based on risk levels, optimizing monitoring and tailored risk mitigation strategies.
• Led Risk Model validation for merchant onboarding, adhering to frameworks and ensuring robust risk assessment processes.
• Conducted in-depth quantitative reviews of merchant risk profiles, providing actionable insights to stakeholders.
• Presented findings to the Models Committee, influencing key decisions with data-driven results.
• Mentored and trained junior team members on Risk Model validation, fostering skill development and team growth.
• Collaborated with partner banks to resolve chargeback disputes, improving merchant and customer relations.
• Led KYC due diligence for merchant onboarding, including comprehensive website, risk, and compliance assessments.
• Identified and investigated AML patterns and transaction anomalies, detecting and preventing suspicious activity.
• Prepared and delivered AML risk assessment reports, tracking escalations and ensuring timely resolution of issues.
• Verified and monitored merchant KYC processes, ensuring continuous compliance with evolving company structures.
• Drove team performance, achieving daily and monthly targets through proactive leadership and clear goal-setting.
• Led a team of 21 in the absence of management, maintaining operational efficiency and team morale.
• Developed and delivered training materials for new hires, ensuring seamless onboarding in AML investigation and KYC processes.
• Assigned daily tasks and provided ongoing guidance, ensuring smooth and efficient team operations.

• Investigated and analyzed risky customer transactions, identifying trends to reduce future risks and improve fraud detection (e.g., account takeovers, stolen or spam credit cards).
• Led end-to-end Risk Modeling validation for credit risk, ensuring accuracy and compliance.
• Conducted regular model validation reviews, overseeing remediation plans to address identified risks and issues.
• Applied technical knowledge and critical thinking to test and improve risk methods.
• Identified AML patterns in international transactions, preventing significant business losses.
• Drafted detailed AML fraud reports, escalating to legal departments when thresholds were exceeded.
• Monitored and updated the organization with new AML patterns and investigation findings.
• Identified merchant abuse, investigating violations of company policies or fraudulent activities.
• Performed audits on team data, providing timely feedback to reduce defects and improve performance.
• Led regular team meetings to discuss process updates, concerns, and performance metrics.
• Managed team data and published regular reports, analyzing trends and performance.
• Monitored defect rates, actively working to reduce errors and improve team efficiency.
• Assisted with basic investigations, supporting team members in resolving complex cases.
• Managed team shrinkage, planning leave schedules and publishing regular updates on absences.
• Trained and mentored new hires in Investigations and AML processes, ensuring seamless integration.