Ankita Kabra

Associate Director- Merchant Risk management

About

Risk and fraud leader with 13+ years of experience across fintech, payments, ecommerce, and banking, specializing in credit risk, merchant risk, transaction fraud prevention, onboarding risk, dispute management, BNPL and payment operations.Proven track record of building and scaling merchant risk functions at leading fintech companies including PhonePe and Pine Labs. Deep expertise in fraud strategy, risk product implementation, chargeback mitigation, transaction monitoring, onboarding automation, KYC controls, and cross-functional product execution. Experienced in partnering with Product, Analytics, Engineering, Compliance, PSPs, Banks, and payment ecosystem stakeholders to drive scalable fraud prevention solutions for millions of merchants.

Country

India

City

Bengaluru

Industry

Financial Services

Skill

fraud strategy, Data Driven Decisoning, Regulatory Compliance, Stakeholder Management, Risk and Credit policy, Due Diligence, Management, Team Management, Critical Thinking, Counter-Terrorist Financing, Financial Crimes Investigations, Payments, Trust and Safety, Payment Gateways, Risk Analytics, Small and Medium-Sized Enterprises (SME), Business Insights, Trend Analysis, Policy Development, Decision-Making

Experience

Associate Director- Merchant Risk management

PineLabs

2023-4 - Present · 3 yrs 6 mos

Bengaluru, Karnataka, India

-CORE EXPERTISE • Merchant Fraud Risk Strategy • Transaction Fraud Prevention • Chargeback & Dispute Management • Risk Product Strategy & Roadmaps • Payment Risk Operations • Merchant Onboarding & KYC Controls • Rule Engine & Fraud Detection Models • Risk Automation & AI Solutions • Acquirer / PSP / NPCI Coordination • Risk & Fraud Monitoring • Cross-border Risk Operations • Product & Stakeholder Management • Risk Governance & Regulatory Compliance • Team Leadership & Transformation

Risk and Compliance - Merchants

PhonePe

2019-3 - 2023-4 · 4 yrs 2 mos

Bengaluru Area, India

Built and scaled merchant risk operations and fraud prevention frameworks for one of India’s largest digital payments ecosystems supporting ~4 million merchants. Core areas- • Built and managed Merchant Risk & Fraud operations for PhonePe across onboarding, transaction monitoring, dispute management, and fraud prevention. • Designed and implemented merchant risk controls, fraud detection frameworks, settlement holds, and onboarding governance mechanisms. • Partnered with Product, Analytics, Compliance, Banks, PSPs, and NPCI on fraud mitigation, risk governance, and operational escalations. • Led fraud investigations, merchant risk reviews, operational governance, and transaction risk monitoring across merchant payment products. • Drove automation and process improvements to strengthen fraud prevention, operational efficiency, and dispute resolution workflows.

Credit and Product Risk manager

Flipkart

2017-6 - 2019-3 · 1 yr 10 mos

India

• Developed BNPL collection strategies and operational risk frameworks that reduced NPAs to 3%. • Built credit risk models using customer purchase and behavioral data to strengthen underwriting and fraud detection. • Implemented operational risk and collections optimization initiatives to improve customer experience and recovery efficiency.