Open to opportunities

Yuvaraj Kumar

@yuvarajkumar

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Visionary product leader with 17+ years in global payments.

United Kingdom

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What I'm looking for

I seek a role that fosters innovation, encourages collaboration, and offers opportunities for professional growth in product management.

I am a visionary product leader with over 17 years of experience in the global payments industry, specializing in card issuing, acquiring, digital wallets, and alternative payment methods. My career has been marked by a proven track record of scaling fintech products, leading digital transformation initiatives, and driving innovation in fraud risk, underwriting, and AML/KYC compliance.

Throughout my career, I have excelled at aligning product vision with business goals, integrating third-party platforms, and launching AI-powered risk and onboarding solutions that protect revenue while enhancing user experience. My key achievements include leading the transformation to an AI-powered risk engine that handles over 30 million transactions per month, resulting in significant improvements in fraud detection and cost savings.

I am adept at agile delivery, cross-functional leadership, and stakeholder engagement, known for building strong product-tech bridges and delivering high-impact, customer-centric solutions at scale. I am passionate about leveraging data-driven decision-making and experimentation to drive product innovation and operational excellence.

Experience

Work history, roles, and key accomplishments

Current

Product Director

Current

Paysafe Group

Apr 2024 - Present (1 year 2 months)

Led the development of Global Risk product strategies to protect merchant and consumer businesses. Spearheaded Risk Transformation initiatives, integrating Risk Engine and Data Orchestration Platform leveraging machine learning to reduce fraud, chargebacks, credit loss, and attrition.

Product Strategy Risk Management Machine Learning Fraud Detection Chargebacks Data Pipelines Business Intelligence

Principal Product Manager

Paysafe Group

Apr 2023 - Present (2 years 2 months)

Delivered KYC platform for consumer digital wallets and eCash products. Led onboarding and business portal applications for the merchant acquiring business, integrating KYC and KYB-supported underwriting processes.

KYC Merchant Acquiring Onboarding Underwriting Product Management API Integration Stakeholder Management

Senior Product Manager

Paysafe Group

Oct 2020 - Present (4 years 8 months)

Designed an in-house Merchant Credit Risk Solution (MCRM), integrating KYC and KYB-supported underwriting processes. Led the design, development, and integration of card core payment APIs.

KYC KYB Underwriting Data Strategy Product Design System Integration Stakeholder Management Agile Methodologies

Product Manager

Paysafe Group

Apr 2019 - Present (6 years 2 months)

Designed an in-house Risk Engine for real-time transaction monitoring, reducing fraud detection time. Implemented AML periodic reviews and sanctions screening tools.

Risk Engines Transaction Monitoring Fraud Detection AML Product Management Data Analysis System Design Compliance API Development

Senior Business Analyst

Paysafe Group

Jan 2017 - Present (8 years 5 months)

Developed a BIN service using Visa, Mastercard, Amex, and Discover BIN files, enabling accurate card identification and secure transaction processing. Led two Scrum teams for regulatory compliance products, overseeing PEP & Sanctions screening and AML periodic reviews.

BIN Service Card Identification Regulatory Compliance Scrum PEP Sanctions Screening AML Business Analysis Data Management

Business Analyst

TCS, CITIBank Commercial Cards

May 2015 - Present (10 years 1 month)

Seasoned banking professional with expertise in Vision PLUS modules, including Credit Management Systems (CMS) and Credit Enhanced Authorization System (EAS). Skilled in identifying automation opportunities and software enhancements, effectively raising change requests to improve system functionality and meet business needs.

Vision Plus Authorization Systems Automation System Enhancements Banking Operations

Senior Operation Analysts

WaveCrest Payment Technologies

Mar 2013 - Present (12 years 3 months)

Diligent leader in Fraud & Risk Management, Compliance Activities, and Card Issuing & Acquiring. Strategically set direction and manage a high-performing team of 10 members.

Fraud Management Risk Management Compliance Card Issuing Team Leadership KYC Transaction Monitoring

Senior Process Associate

TCS, CITIBank Commercial Cards

Aug 2009 - Present (15 years 10 months)

Led the Citi Manager Project to digitize the credit card onboarding process, replacing paper-based applications with secure, user-friendly online forms. This initiative significantly reduced processing time and manual errors, enhancing operational efficiency and customer satisfaction.

Digitalization Process Improvement Customer Satisfaction Forms Data Entry Quality Assurance Team Coordination

Credit processing Analyst

ABN Amro Bank

Oct 2008 - Present (16 years 8 months)

Credit processing analyst responsible for managing credit applications and ensuring compliance with banking regulations. Collaborated with various departments to streamline credit approval workflows.

Banking Regulations Workflow Optimization Data Analysis Compliance Risk Assessment Financial Services Customer Service Documentation

Education

Degrees, certifications, and relevant coursework

Indian Institute of Management Kozhikode

Executive Postgraduate, Strategic Management

Completed an Executive Postgraduate program in Strategic Management. Focused on advanced management principles and strategic decision-making.

Guru Nanak College, University of Madras

B.com (CS) Corporate Secretaryship, Corporate Secretaryship

Obtained a Bachelor of Commerce degree with a specialization in Corporate Secretaryship. Gained foundational knowledge in commerce and corporate governance.