Priyanka Padhi

Risk Sr Bsa- Billing & Payments @Flexshopper

FL, US

As a Risk BSA- Billing & Payments within a fintech lease-to-own platform, I bridge business risk strategy and systems execution to optimize decisioning, billing stability, and fraud mitigation across the customer lifecycle. I work cross-functionally to resolve system inefficiencies, monitor risk policy performance, and ensure smooth processing across payment and underwriting flows.Key Responsibilities:• Managed analysis and optimization of the overall billing system, covering ACH and Card payment processing, reconciliation, and failure recovery workflows.• Automated recurring BOT SQL query workflows, reducing processing time by 50% and cutting manual effort.• Built SQL datasets in BigQuery and defined DAX measures to standardize KPIs including success rate, NSF and non-NSF mix, no attempt, and processing.• Designed and implemented ranking logic to suggest the best payment method for billing by identifying working vs. non-working payment methods, streamlining retries and improving recovery rates.• Performed soft deletion analysis of non-working payment methods, saving $40K per month in unnecessary processing costs.• Investigated transaction failures across external payment gateways using SQL and Big Query in GCP/Jupyter Hub, leveraging Python (Pandas, NumPy) for data extraction, transformation, and root cause analysis.• Built fraud detection SQL queries to identify suspicious ACH/CC behaviors, reducing undetected fraud exposure by 20%.• Analyzed reversal codes, AVS/CVV mismatches, and token inconsistencies to refine billing retry strategies and reduce decline rates.• Designed and developed Power BI multiple dashboards for executives and operations.• Facilitated stakeholder reviews with billing, risk, and engineering; provided regular status updates and leadership readouts.• Used Agile tools (JIRA, Confluence) to manage incident workflows and authored multiple user stories enable IT fixes for billing, risk, and transaction issues.