Manish Deo
Banking II Payments II Fintech II Credit Strategy II Talks on Innovation
- Role
- Vp- Head Risk & Financial Crime Compliances at PayU
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Manish Deo
ACFE-certified Risk Management Professional with over 20 years of distinguished experience in formulating credit and risk strategies across Lending, Payments, and Insurance sectors. Proficient in establishing comprehensive systems, policies, and frameworks for retail lending risk management, differential underwriting assessments, and digital risk capabilities.Principal Accomplishments and Expertise:• Architected highly successful risk management strategies for retail lending portfolios at multiple banks, encompassing digital initiatives; developed deviation metrics, scorecards for lending products, and advanced digital risk infrastructures.• Formulated risk strategies and governance frameworks for payment businesses; directed implementations of innovative indigenous solutions like merchant credit risk framework, digital footprints assessment etc and implemented key solutions within the function to enable business to scale-FICO, Trident and alternative data consumption tools to optimise authorisation for online, POS, ATM, UPI, and allied payment channels.• Oversaw merchant acquiring risk management, direct and BIN sponsorship models, and regulatory compliances; instituted transaction monitoring protocols, dispute resolution processes, and intelligent sampling methodologies for digital payments.•. Developed data science/ML models for cross border transactions to minimise charge backs and fraud exposures. Defined appetite based approval frameworks.•. AI driven merchant risk assessment strategies to enhance efficiency and agility for the organisation. •. Managed networks ( VISA, Master Card,NPCI) related compliances and presented to the regulator on emerging risks trends for payment aggregation business.• Designed framework for Asymmetric Risk Management in Payment Aggregation Business help preventing and containing the systemic exposures.•. Collaborated with FIU India, I4C to ensure financial risk compliances.• Spearheaded the deployment of the Hunter (Experian) application fraud prevention system at Axis Bank; established specialised investigation units for complaint resolution and structured internal inquiries.• Visiting Faculty, IDRBT (Institute for Development & Research in Banking Technology) established by RBI.• Certified Cyber Law Investigator, Indian Law Institute. Proficient in building cyber security frameworks. Authored various articles on cyber security aspects.Have you heard about merchant insolvency risk in the payments business? Super interesting topic—let’s connect!
Experience
Vp- Head Risk & Financial Crime Compliances
Jul 2022 — Present · Mumbai, IN
Education
Post Graduate
MBA, Finance
Sikkim Manipal Institute of Technology - SMU
Masters, Business Administration; Finance
ACFE
CFE, Certified Fraud Examiner
2015 — 2015
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