Utsab Bagchi
Principal Product Manager @Ratepay
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WORK HISTORY
Principal Product Manager @Ratepay
Berlin, DE
EDUCATION
Indian Institute of Management, Calcutta
MBA, PGDM, Management Information Systems, Operations Management
IIEST, Shibpur
Bachelor’s Degree, Electronics and Communications Engineering
TBS Education
Master of Business Administration (M.B.A.), Exchange Student in Corporate Finance & Banking
SKILLS
ABOUT UTSAB BAGCHI
I lead fraud prevention and credit risk strategy for large-scale payment and BNPL platforms, with 16+ years of experience across e-commerce, fintech, payroll, and banking. My work focuses on owning fraud outcomes end-to-end — from ML-driven detection and rules engines to fraud operations, KPI governance, and regulatory readiness — balancing loss prevention with customer experience and business growth.I’ve built and scaled fraud capabilities across Europe, North America, and India, covering payment fraud, refund abuse, account abuse, transaction monitoring, and AML. Currently driving Fraud & Credit Risk management at Ratepay, supporting automated decisioning for BNPL products used by leading merchants.Core areas: Fraud Strategy | BNPL Credit Risk | Fraud Ops | ML & Graph Detection | AML | Payments | Risk Governance
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