Headline

13+ Yrs Fintech & Payments Ops | AML/KYB & Compliance Leader | Merchant Onboarding, FRMS | Operations | Ex-PhonePe, Flipkart

About

I lead AML, KYB, and Fraud Risk Management for Finmo, a cross-border payments business. Over 13+ years in fintech and e-commerce (Finmo, PhonePe, Indus Appstore, Flipkart), I've built and rebuilt onboarding, KYC/KYB, and risk operations. Each time the goal is the same: turn a manual, audit-fragile process into something structured, fast, and defensible. Recent wins at Finmo: - Cut merchant approval turnaround to 10 days by redesigning the review workflow and enforcing 24-hour case pickup SLAs - Reduced Hawk screening ticket volume by refining fuzzy-match logic, without sacrificing alert quality - Raised Hawk screening resolution rate from 85% to 96% - Rebuilt the KYB review process end-to-end (Checklist 2.0), consolidating scattered RFIs into a single thread - Closed a recurring KYB approval bottleneck by mandating Enhanced Due Diligence (EDD) documentation at merchant sign-up Earlier at PhonePe, I rebuilt KYC document validation systems (80% drop in rejection rates), automated onboarding workflows (2x faster AHT/ART), and ran compliance and audit response across multiple lines of business. What I bring to a compliance or ops leadership seat: - AML/CFT, CDD/EDD, UBO, sanctions & PEP screening expertise across multi-jurisdiction merchant bases - A builder's instinct — I design and automate SOPs, not just run them.

Location

Greater Bengaluru Area

AI stack

claude code

Work experience

Head of Gateway Operations at Finmo, Jan 2026 - Present · 9 mos, Bengaluru, Lead AML, KYB, and Fraud Risk Management (FRMS) for Finmo's multi-jurisdiction merchant base, owning risk-based onboarding strategy end to end. - Cut merchant approval turnaround to 10 days by redesigning the review process and enforcing 24-hour case pickup SLAs - Reduced Hawk transaction-screening ticket volume 35% week-on-week by refining fuzzy-match logic and improving match-score transparency, without sacrificing alert quality - Rebuilt the KYB review process end-to-end (Checklist 2.0 + backoffice UI revamp), eliminating missed validations and consolidating RFIs into a single merchant thread - Partnered with Tech & Product to ship a HubSpot–WhatsApp integration - Mandated Enhanced Due Diligence (EDD) documentation at merchant sign-up, closing a recurring approval bottleneck at its source

Business Operations Manager at Indus Appstore, Jan 2024 - Jan 2026 · 2 yrs 1 mo, Drove developer onboarding and engagement across the fintech app ecosystem. - Built and led end-to-end onboarding for the top apps on the platform, from process design to steady-state operations - Partnered directly with developers to resolve onboarding blockers and improve platform experience - Built a centralized merchandising-campaign system, improving tracking and operational efficiency - Took the developer outreach program from 0 to 1, designing and implementing the ticketing system that still runs it today

Operations Manager - Ads & Billing Collections at PhonePe, May 2022 - Dec 2023 · 1 yr 8 mos, India, - Standardized advertiser onboarding and enforced legal-entity/KYC compliance across the full advertiser portfolio - Authored BRDs for advertiser onboarding and admin controls, tightening KYC standardization and billing visibility - Built guardrails and ran root-cause analysis on major incidents, reducing audit-flagged breach incidents - Brought monthly unbilled amounts down from ₹1.8–2 Cr to ₹0.22 Cr and grew monthly collections from ₹25 Cr to ₹30+ Cr, while lifting on-time billing to 98% - Optimized Salesforce workflows and established KPIs for the function

Operations Manager - Onboarding & KYC at PhonePe, Jan 2021 - Apr 2022 · 1 yr 4 mos, Bengaluru, - Rebuilt the KYC image-recognition validation layer, cutting document rejection rates 80% - Built an automated Salesforce workflow for mass offline vendor onboarding, cutting both AHT and ART in half - Integrated a Salesforce-linked KYC API, lifting verification accuracy 60% - Delivered a business continuity plan and streamlined vendor onboarding process projected to save ₹36L annually - Oversaw AML/KYC adherence across 70 outsourced vendor partners - Automated KYC checks and penny-drop validation, closing a fraud gap in beneficiary verification

Associate Manager - KYC at PhonePe, Oct 2019 - Jan 2021 · 1 yr 4 mos, Bengaluru, Owned day-to-day KYC case review and compliance checks during a high-growth onboarding period — the foundation for the automation and API integrations built in the following role.

Assistant Manager - Payment Ops at Flipkart, Oct 2018 - Oct 2019 · 1 yr 1 mo, Greater Bengaluru Area, - Sustained a 70%+ resolution success rate across payment gateways and aggregators, resolving payment anomalies and settlement issues directly with partners - Lifted resolution rate from under 60% to 72% by redesigning the escalation-resolution workflow

Associate Manager at Flipkart, Jan 2018 - Sep 2018 · 9 mos, Bengaluru, Led social media monitoring and escalation control; analyzed customer sentiment across channels to inform product and process improvements.

Team Lead at Flipkart, Jul 2014 - Dec 2017 · 3 yrs 6 mos, Bengaluru Area, India, - Redesigned processes and operational policies across the team - Built a knowledge base workflow that evolved into the knowledge management tool used across the entire Ops org today - Won 7 internal innovation awards (F-Drive), including runner-up for the RRR (Returns/Replacement/Refund) validation tool

Education

Master's degree, HR & Marketing, Bangalore Institute of Management Studies