Digvijay Kumar

About Digvijay Kumar

Senior Risk & Fraud Analyst with 4+ years of experience across Payments and Fintech, specializing in credit risk, authorization analytics, fraud monitoring, and portfolio performance.My expertise lies in bridging the gap between complex data engineering and strategic risk mitigation.Currently working as a Consultant at Deloitte,where I analyze large-scale transaction and risk datasets to improve authorization rates, identify fraud exposure, and benchmark issuer performance. I regularly translate complex data into client-ready insights and recommendations across authorization flows, declines, and fraud controls.Previously at Paytm, I owned analytics for merchant lending risk and policy evaluation—covering bureau On-US vs Off-US analysis, delinquency trends, exposure optimization, and rule performance. I worked closely with Risk, Product, and Engineering teams to design, test, and roll out credit and fraud rule changes, supporting both growth and risk control.I bring strong hands-on expertise in Python, SQL, PySpark, Impala, AWS, and Looker, with a focus on automation, data quality, and scalable analytics frameworks.

Experience

1. Consultant Senior Data Analyst (Risk & Fraud Analytics)

   Deloitte

   Aug 2025 — Present · Gurugram, IN

   Analyzed large-scale payment transaction and risk datasets to evaluate authorization rates, fraud exposure, chargebacks, and issuer behavior.Built Python-based workflows to compute and monitor key payment metrics across authorization flows.Conducted peer benchmarking to identify performance gaps and optimization opportunities for clients.Delivered client-ready insights with root-cause analysis and actionable recommendations.Ensured data quality, documentation, and governance alignment with Mastercard standards.

Education

• LS COLLEGE

  BSc - Bachelor of Science, Mathematics

  2015 — 2019

• Indira Gandhi National Open University

  Master of Computer Applications - MCA, Mathematics and Computer Science