Ritik Sharma

Fraud Risk Strategy:

• Designed a fraud-detection framework to identify identity, address, mail, and welfare-benefit fraud by classifying cases into 9 distinct fraud typologies during the COVID welfare rollout.
• Built a pattern-matching system using previously flagged accounts to detect cards exhibiting similar behaviors, enabling early fraud identification across the prepaid portfolio.
• Implemented an automated fraud-flagging logic that helped the client prevent ~$6MM in annual losses by capturing high-risk accounts before funds were disbursed.

Portfolio Management and Analytics:

• Tracked early-life performance of a newly launched card product, analyzing activation, spend patterns, and gamer-segment behavior to identify emerging risk signals.
• Partnered with product and risk teams to fine-tune offers and card terms based on behavioral insights, reducing exposure to misuse and optimizing portfolio profitability.
• Delivered changes that helped the client prevent ~$2MM in annual revenue loss, driven by improved controls over high-risk gamer behavior.
• Recommended solutions to boost 2nd card and cross-product credit card penetration, also avenues like New to Bank comparisons, product offers, active account flows, flip rates, APR pricing, Balance generation, COF customer penetration, accelerated spends and wallet share increase leading to contribution in 60+ projects
• Monitored and analyzed key performance indicators to assess credit card portfolio performance, providing data-driven insights and continuous support to enhance overall activity and profitability.

Team Handling:

• Experience in handling team of 2-3 members fostering team collaboration, ensuring timely work delivery and effective communication for flawless project execution (Handled 40+ projects in 2025)