Ravi Bhatia is a seasoned fraud, credit, risk, and data science executive with over 15 years of experience in credit risk, fraud risk management, and operational analytics across various lending and payments companies. Currently, Ravi serves as the Chief Risk Officer for Citi Retail Services, leading risk management initiatives. Previously, Ravi held prominent roles at Current, PayPal, and American Express, where they developed comprehensive credit and fraud risk strategies while overseeing large teams and complex analytics projects. Ravi earned an MBA in Finance and Technology from IIM Calcutta and holds a Bachelor of Technology in Information Technology from IIIT Allahabad.
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