Vishal Reddy

Product Manager @Goldman Sachs

Dallas, TX, US

Strengthened fraud prevention and digital lending capabilities by delivering scalable platforms for card authorization, transaction monitoring, and consumer lending workflows. The initiative enhanced real-time fraud detection, improved authorization success rates, and streamlined digital loan origination and servicing processes across multiple consumer lending channels.Designed and supported data-driven solutions integrating fraud monitoring rules, machine learning credit scoring, and digital loan processing systems to improve risk evaluation, reduce fraudulent transactions, and accelerate loan approvals for personal, SME, and point-of-sale lending products.Key Responsibilities: Collaborated with fraud, risk, compliance, and engineering teams to enhance real-time card transaction monitoring and authorization controls. Defined and prioritized product features across digital lending platforms including loan origination, automated credit decisioning, and servicing workflows. Implemented fraud detection mechanisms such as transaction velocity checks, merchant risk scoring, and cross-border activity monitoring. Monitored key business metrics including fraud loss, authorization success rates, loan approval turnaround, and lending portfolio performance. Coordinated SIT and UAT cycles, validating fraud rules and lending workflows before production deployment. Developed dashboards and reporting insights to track fraud trends, lending performance, and platform usage.#ProductManagement #DigitalLending #FraudDetection #CardAuthorization #FinTech #BankingTechnology #Agile #RiskManagement #DataAnalytics #Payments

The Hyderabad Public School (HPS)

Indian Certificate of Secondary Education ( ICSE )

Babson F.W. Olin Graduate School of Business

Master of Business Administration - MBA

Vellore Institute of Technology

Bachelor of Technology

FIITJEE

Intermediate Education (TSBIE)