Vikas Vik Padiyar
Seattle,WA
Summary
Data Analytics Professional with 14 years of experience leveraging business intelligence, statistical analysis, and data-driven insights to drive strategic decision-making across Fintech, SaaS, and Payments. Proven track record in translating complex business requirements into scalable product solutions, determining KPIs, and building automated reporting ecosystems and deliver actionable recommendations to senior stakeholders. Expertise in partnering with stakeholders in operations, product management, project management, design teams, data science, and partner support.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Senior Data Analyst
Plusgrade
01.2023 - 04.2025
- Company Overview: Ancillary revenue powerhouse enhancing offerings for 200 partners in travel and hospitality
- Leveraged Splunk and FullStory to capture comprehensive user experience data across customer flows, identifying critical drop-off points in checkout processes and recommending targeted UI/UX changes that increased conversion by 3% across partner platforms
- Synthesized complex analytical findings into executive-ready interactive Tableau dashboards featuring 15+ product KPIs, highlighting relevant insights for strategic business decisions and partner performance optimization. Collaborated closely with partner strategists and marketing teams on pain points of 200+ partners, building out business review decks, and effectively communicating program effectiveness and profitability to partners in quarterly/annual business reviews.
- Designed and executed formal A/B experiments to evaluate impact of dynamic pricing changes, business rules and product features across 200+ partners, establishing experimental frameworks that validated new strategies for seasonal optimization and customer retention
- Anticipated data requirements for global expansion initiatives, collaborating with external vendors, engineering, and localized marketing teams to develop analytical frameworks that identified $2.4M monthly revenue opportunity through localized payment method implementation
- Architected sophisticated statistical models using Python and Tableau to evaluate authorization rates (78%-95% by region), payment method preferences, and fraud patterns, determining optimal analytical techniques to address complex business questions around cross-border transaction optimization
Risk and Payments Analyst – Payments & Cards
Peoples Trust, Toronto, CN
03.2020 - 06.2022
- Company Overview: Boutique bank powering fintech solutions through card and payment platforms
- Created internal risk rating model based on defined Key Risk Indicators (KRIs), establishing quantitative benchmarks to assess partner risk and determine appropriate mitigation measures across 60+ partnerships. Leveraged expertise across multiple data sources, including transaction databases, network bulletins, and regulatory feed,s to identify sophisticated attack vectors, including BIN enumeration, money laundering patterns, and terrorist financing indicators
- Served as critical translator between complex Visa/Mastercard regulatory requirements and 60+ fintech partners, building trust through expert interpretation of compliance mandates and delivery of accessible regulatory guidance
- Developed comprehensive identity verification frameworks integrating diverse data sources for progressive KYC processes, from basic verification to enhanced due diligence based on partner risk profiles
Payments Data Analyst – LightSpeed Payments
Lightspeed POS, Toronto, CN
11.2018 - 03.2020
- Company Overview: Unified POS and payments platform supporting retailers in 100+ countries
- Spearheaded analytical evaluation supporting strategic transformation from referral model to Payment Facilitator model, architecting data-driven business case that demonstrated 3x revenue improvement potential per transaction
- Applied statistical modeling and forecasting techniques to project revenue and profit impacts, and conducted comprehensive industry research to optimize pricing strategies. Developed customized SQL scripts for ongoing risk monitoring and KPI/KRI tracking, creating scalable analytical infrastructure supporting churn management and operational efficiency improvements reducing churn rate by 4% YoY
- Built comprehensive monitoring systems tracking velocity breaches and merchant financial health indicators, implementing automated alerts and representation flows that maintained
Associate – Analytics and Risk Operations
Kuwait Reinsurance Company, Kuwait
02.2017 - 08.2018
- Company Overview: Leading provider of reinsurance services with global reach
- Created sophisticated Oracle Business Intelligence dashboards extracting complex insurance data, applying statistical models including Monte-Carlo simulations to forecast future losses in line with industry principles
- Built comprehensive capital adequacy model using Monte-Carlo simulation facilitating data-driven portfolio optimization, resulting in 9% profitability increase across all Lines of Business through enhanced analytical insights
- Synthesized complex actuarial analyses, risk metrics, and market conditions into executive-ready quarterly board presentations, highlighting emerging risks and mitigation strategies for C-level decision-making
- Led cross-functional analytical teams through AM BEST credit rating assessment, securing A- rating through comprehensive documentation of risk management practices, reducing reinsurance costs by $3.2M annually
Product Operations Manager
Gulf Insurance Company
03.2016 - 02.2017
- Company Overview: Life and Non-Life insurance across the MENA region
- Led complex system migration project from Citrix to Oracle platform, parametrizing business rules across multiple modules and achieving 13% cost reduction through process automation and analytical optimization
Data & Product Analyst
Gulf Insurance Company
06.2014 - 01.2016
- Company Overview: Fairfax holding company providing Life and Non-Life insurance across MENA region
- Directed data-driven product development including cost-benefit analysis, projected cash flow modeling, and market research, utilizing statistical techniques for scenario analysis and performance evaluation
- Developed comprehensive process documentation and compliance frameworks, establishing structured analytical approaches for requirements documentation and solution implementation
Business Analyst
Gulf Insurance Company
05.2011 - 05.2014
- Company Overview: Fairfax holding company providing Life and Non-Life insurance across MENA region
- Established trackable analytical frameworks from project inception, providing astructured foundation for data-driven project execution with comprehensive cost-benefit modeling and timeline optimization
- Served as liaison between business stakeholders and technical teams, ensuring effective translation of business requirements into analytical solutions
Education
Bachelor of Mathematics - Honors Actuarial Science with Finance Option
University of Waterloo
CanadaSkills
- Data Analysis & Visualization: Python, Tableau, SQL, Oracle Business Intelligence, Statistical Modeling, Monte-Carlo Simulations
- Data Pipeline & Automation: Alteryx, Datatiku, Snowflake, ETL Processes, Automated Reporting
- Business Intelligence: KPI/KRI Development, Dashboard Creation, Executive Reporting, Data Governance
Certification
Project Management Professional PMI-PMP | Certified Product Owner PSPO
Timeline
Senior Data Analyst
Plusgrade
01.2023 - 04.2025
Risk and Payments Analyst – Payments & Cards
Peoples Trust, Toronto, CN
03.2020 - 06.2022
Payments Data Analyst – LightSpeed Payments
Lightspeed POS, Toronto, CN
11.2018 - 03.2020
Associate – Analytics and Risk Operations
Kuwait Reinsurance Company, Kuwait
02.2017 - 08.2018
Product Operations Manager
Gulf Insurance Company
03.2016 - 02.2017
Data & Product Analyst
Gulf Insurance Company
06.2014 - 01.2016
Business Analyst
Gulf Insurance Company
05.2011 - 05.2014
Bachelor of Mathematics - Honors Actuarial Science with Finance Option
University of Waterloo
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