Kuldeep Manral

Risk leader currently serving as India Head – KYC & Risk at Tide India, where I head onboarding and risk management functions for Tide India.With deep expertise in KYC, KYB, PEP/Sanction Screening, transaction monitoring, and regulatory compliance, I focus on building scalable, technology-driven and compliant operational frameworks that enable rapid yet responsible growth. My role sits at the intersection of operations, product, risk, and technology, ensuring that compliance controls are embedded seamlessly into the customer journey.At Tide India, I have been instrumental in designing scalable onboarding ecosystems (video KYC, PEP/Sanction screening and Merchant Risk ) optimizing risk frameworks, and driving automation across processes, enabling faster merchant onboarding while maintaining strong regulatory adherence. I also lead Merchant Risk unit who is responsible to review merchant at pre and post onboarding stage with Risk engine utilization, Machine learning rules, to emphasize data-driven decision making, intelligent rule configuration, API-based validations, and automation, helping reduce friction in the customer journey while strengthening risk controls. procedures, workflow and card related system.