Kranti Banala

• Delivered data-driven insights to support incident investigations, executive performance reviews, and payment partner engagements, driving optimization of payment performance.
• Built and owned dashboards providing end-to-end visibility into payment KPIs, including 3DS authentication trends, authorization rates, failures, refunds, and chargebacks.
• Developed scalable data pipelines to clean, transform, and aggregate data across multiple sources, enabling funnel-level payments analytics.
• Partnered with cross-functional teams to translate insights into strategies that reduced payment costs by $100M+, improved payment conversion rates by +2%, and increased chargeback representment win rates by 20%.

• Led executive-level business performance reviews, delivering end-to-end visibility into transaction, fraud, and risk metrics to inform strategic decision-making.
• Drove $5M+ in annual loss reduction and cost savings by refining seller onboarding and Ship-to-Fund hold policies, reducing fraud (ATO, SFI), bad debt, and customer contact costs.
• Owned fraud loss forecasting and variance management, partnering with Product and Policy teams to identify risks, prioritize mitigations, and reduce realized losses.
• Influenced risk policy rollouts by designing test/control frameworks and ROI-based evaluations, balancing GMV growth, customer experience, and fraud prevention.

Drove global credit and compliance strategy by using data-driven insights to refine credit policies, reducing manual credits by ~$1.5M while identifying systemic gaps, prioritizing focus areas, and strengthening audit outcomes to meet established targets.