Vaibhav Gupta

I’m a Strategy & Analytics professional with 3+ years of experience driving high-impact initiatives across fintech, fraud risk, and growth. I enjoy owning complex, ambiguous problems end-to-end—identifying opportunities, prioritizing across competing demands, and translating insights into scalable processes.

At EXL (Client: USAA), I led fraud strategy across Card Present segments, prioritizing and launching 30+ initiatives (velocity controls, geo-intelligence, behavioral drivers) that delivered ~$2M/month incremental fraud capture. I also defined and executed a portfolio expansion roadmap—pinpointing merchant hotlisting and card lifecycle controls as high-priority opportunities—generating ~$1M/month additional risk-adjusted impact.

I built operational frameworks that enabled safer growth at peak season, unlocking ~$4M (~23K transactions) in customer spend while keeping fraud losses within threshold. I’ve also optimized 20+ live fraud strategies through iterative testing, improving operational hit rates by 400–600 bps and strengthening decision quality through real-time monitoring and escalation.

Previously at CRED, I owned referral growth end-to-end, using cohort segmentation to reduce CAC by ~10% while improving new-user quality. I built an AI-powered root-cause analysis system that cut analysis cycle time by ~50% and created experimentation infrastructure (A/B testing dashboards) to scale data-backed decisions across growth.