Kumar Prateek profile photo 1 on Tal

Kumar Prateek

Phonepe | Ex-Razorpay

Bengaluru

6+ years of work experience

Apr 20267 mosPresent

• Founded and registered The Fit Society, taking ownership of the business setup, positioning, and end-to-end launch. • Built and managed the company website, establishing its digital presence and customer-facing booking and information journey. • Developed and executed marketing initiatives across digital and local channels to build awareness, generate leads, and drive registrations. • Led sales and customer acquisition, converting enquiries into memberships and building relationships with customers and society communities. • Managed pricing, offerings, promotions, operations, and day-to-day business execution from concept through launch and growth.
PhonePe
Nov 20241 yr 10 mosAug 2026

PhonePe
Nov 20241 yr 8 mosJun 2026

• Spearheaded the EDD2 project from inception to execution, overseeing end-to-end Enhanced Due Diligence processes for high-risk merchants and flagged accounts. • Conducted comprehensive investigations and profiling of merchants based on transactional behaviours, industry patterns, and source-of-funds legitimacy. • Collaborated with Legal, Compliance, Product, and Data teams to implement automated case assignment and escalation frameworks, improving investigation TAT by 35%. • Drafted detailed investigation reports and coordinated with internal stakeholders for STR filing and escalations to Financial Intelligence Units. • Managed a team of investigators, directing activities and providing guidance as required.
Klub
Nov 20222 yrs 7 mosMay 2025

India

-> Successfully executed established reconciliation processes and service level agreements (SLAs) with precision, minimizing errors and escalations. -> Maintained detailed Management Information System (MIS) reports and conducted trend analysis on open items and aging, ensuring data integrity and operational efficiency. ->Collaborated with cross-functional teams including Underwriting, Product, Risk Management, and Customer Support to optimize processes and enhance the overall customer experience. ->Managed end-to-end loan and disbursement operations, overseeing tasks such as loan processing, NACH authentication, Splits setup, invoicing, document verification, agreement negotiations, TDS compliance, and disbursal.
Razorpay
Oct 20211 yr 2 mosNov 2022

Bangalore Urban, Karnataka, India

->AML: worked on multiple reports in the Money Laundering to bring down the cases and analyze merchants involved in it. -> Worked on multiple data in Excel and prepared reports for the stakeholders and for internal reviews. ->Performed in-depth research and investigations and recommended strategies to resolve problems and prevent further concerns. ->Investigated current and new merchants and individual sales to evaluate fraud, chargeback, and compliance risks. ->Have interacted with the Stakeholders, bank & cyber authorities and worked on better networking PAN India with cyber officers of different states· Trained new hires on the process. · ->Helped various teams to develop & deploy enhanced procedures to reduce the institution's exposure to fraud. · Dealt/dealing with law enforcement authorities (enforcement directorate,RBL, Lending ), on reports and data preparation, bank authorities to help them with their investigations & to get their work done. ->Worked & front-ended on a couple of projects undergone by the Razorpay team and successfully delivered the expectations. · ->Have good decision-making ability. tend to apply various approaches to make the daily tasks interesting for the team and eventually get the job done. Dealt with a lot of big /small/ medium clients to curb frauds and increase the success rate. Have worked on multiple queues according to the business requirement, and have a fair knowledge of Buyer Risk and Merchant Risk.
Razorpay
Jul 20202 yrs 4 mosOct 2022

• Part of the founding AML team that built and institutionalized Razorpay's early anti-money laundering framework, focusing on transactional anomaly detection and risk tagging. • Worked on merchant onboarding risk checks, suspicious transaction monitoring, and high-value STRs across diverse sectors. • Filed STRs with Financial Intelligence Units and conducted in-depth research and investigations, recommending strategies to resolve issues and prevent recurrence. • Investigated merchants and individual sales to evaluate fraud, chargeback, and AML compliance risks. • Worked with bank and cyber authorities and built PAN-India professional networks with cyber officers. • Helped teams develop and deploy enhanced procedures to reduce fraud exposure; supported law-enforcement and bank investigations through reports and data preparation. • Front-ended multiple projects and worked with clients of different sizes to curb fraud and improve success rates.
Razorpay
Jul 20201 yr 4 mosOct 2021

India

-> Created new SOP for Buyer Risk -> Learned the process to get going with the tasks. -> MVP , best performer for the month of November 2020.
Jul 20192 mosAug 2019

Kumar’s AI Stack

claude code
claude code
claude
claude
gemini
gemini
grok
grok
lovable
lovable
ChatGPT
ChatGPT

Education

Bachelor of Engineering - BE, Computer Science

Acharya institute of technology

20164 yrs2020

SSC, 12th board

Jawahar Vidya Mandir Ranchi Jharkhand

20142 yrs2016

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Headline

Phonepe | Ex-Razorpay

About

At Phonepe, our team is dedicated to refining reconciliation and risk assessment operations, where we've elevated data integrity and customer satisfaction. Our collaboration with departments like Underwriting and Risk Management has significantly improved processes, directly enhancing user experience. With a Bachelor of Engineering in Computer Science, my analytical proficiency has been instrumental in risk analysis and fraud prevention. At Razorpay, we developed SOPs for Buyer Risk and cultivated a culture of continuous learning and innovation, which is reflective of my commitment to growth and excellence.

Location

Bengaluru

AI stack

claude code

claude

gemini

grok

lovable

ChatGPT

Work experience

Founder at The Fit Society, Apr 2026 - Present · 7 mos, • Founded and registered The Fit Society, taking ownership of the business setup, positioning, and end-to-end launch. • Built and managed the company website, establishing its digital presence and customer-facing booking and information journey. • Developed and executed marketing initiatives across digital and local channels to build awareness, generate leads, and drive registrations. • Led sales and customer acquisition, converting enquiries into memberships and building relationships with customers and society communities. • Managed pricing, offerings, promotions, operations, and day-to-day business execution from concept through launch and growth.

Senior Risk Analyst at PhonePe, Nov 2024 - Aug 2026 · 1 yr 10 mos

Senior Investigator at PhonePe, Nov 2024 - Jun 2026 · 1 yr 8 mos, • Spearheaded the EDD2 project from inception to execution, overseeing end-to-end Enhanced Due Diligence processes for high-risk merchants and flagged accounts. • Conducted comprehensive investigations and profiling of merchants based on transactional behaviours, industry patterns, and source-of-funds legitimacy. • Collaborated with Legal, Compliance, Product, and Data teams to implement automated case assignment and escalation frameworks, improving investigation TAT by 35%. • Drafted detailed investigation reports and coordinated with internal stakeholders for STR filing and escalations to Financial Intelligence Units. • Managed a team of investigators, directing activities and providing guidance as required.

Senior Associate at Klub, Nov 2022 - May 2025 · 2 yrs 7 mos, India, -> Successfully executed established reconciliation processes and service level agreements (SLAs) with precision, minimizing errors and escalations. -> Maintained detailed Management Information System (MIS) reports and conducted trend analysis on open items and aging, ensuring data integrity and operational efficiency. ->Collaborated with cross-functional teams including Underwriting, Product, Risk Management, and Customer Support to optimize processes and enhance the overall customer experience. ->Managed end-to-end loan and disbursement operations, overseeing tasks such as loan processing, NACH authentication, Splits setup, invoicing, document verification, agreement negotiations, TDS compliance, and disbursal.

Analyst at Razorpay, Oct 2021 - Nov 2022 · 1 yr 2 mos, Bangalore Urban, Karnataka, India, ->AML: worked on multiple reports in the Money Laundering to bring down the cases and analyze merchants involved in it. -> Worked on multiple data in Excel and prepared reports for the stakeholders and for internal reviews. ->Performed in-depth research and investigations and recommended strategies to resolve problems and prevent further concerns. ->Investigated current and new merchants and individual sales to evaluate fraud, chargeback, and compliance risks. ->Have interacted with the Stakeholders, bank & cyber authorities and worked on better networking PAN India with cyber officers of different states· Trained new hires on the process. · ->Helped various teams to develop & deploy enhanced procedures to reduce the institution's exposure to fraud. · Dealt/dealing with law enforcement authorities (enforcement directorate,RBL, Lending ), on reports and data preparation, bank authorities to help them with their investigations & to get their work done. ->Worked & front-ended on a couple of projects undergone by the Razorpay team and successfully delivered the expectations. · ->Have good decision-making ability. tend to apply various approaches to make the daily tasks interesting for the team and eventually get the job done. Dealt with a lot of big /small/ medium clients to curb frauds and increase the success rate. Have worked on multiple queues according to the business requirement, and have a fair knowledge of Buyer Risk and Merchant Risk.

Financial Services Associate at Razorpay, Jul 2020 - Oct 2022 · 2 yrs 4 mos, • Part of the founding AML team that built and institutionalized Razorpay's early anti-money laundering framework, focusing on transactional anomaly detection and risk tagging. • Worked on merchant onboarding risk checks, suspicious transaction monitoring, and high-value STRs across diverse sectors. • Filed STRs with Financial Intelligence Units and conducted in-depth research and investigations, recommending strategies to resolve issues and prevent recurrence. • Investigated merchants and individual sales to evaluate fraud, chargeback, and AML compliance risks. • Worked with bank and cyber authorities and built PAN-India professional networks with cyber officers. • Helped teams develop and deploy enhanced procedures to reduce fraud exposure; supported law-enforcement and bank investigations through reports and data preparation. • Front-ended multiple projects and worked with clients of different sizes to curb fraud and improve success rates.

Junior analyst RISK at Razorpay, Jul 2020 - Oct 2021 · 1 yr 4 mos, India, -> Created new SOP for Buyer Risk -> Learned the process to get going with the tasks. -> MVP , best performer for the month of November 2020.

Project Intern at CMPDI (Central Mine Planning & Design Institute), Jul 2019 - Aug 2019 · 2 mos

Education

Bachelor of Engineering - BE, Computer Science, Acharya institute of technology

SSC, 12th board, Jawahar Vidya Mandir Ranchi Jharkhand