About

Strategy leader focused on decision-making at scale.

I am a Business Manager in Fraud Strategy within Commercial Cards at Capital One, where I own the analysis, prioritization, and execution of fraud and risk initiatives impacting large commercial card portfolios.

My role sits at the intersection of strategy, product, and operations. I lead structured reviews of fraud controls and decision workflows, partner closely with product managers, data scientists, and operations leaders, and translate analysis into changes that materially reduce false positives, improve customer experience, and strengthen governance.

Prior to Capital One, I worked across consulting and technology roles at Accenture and Wipro, where I led cross-functional teams delivering credit card launches, operational transformations, and cloud-enabled platforms. I earned my MBA in Strategy and Finance from NYU Stern.

Across roles, I am most effective in environments that require hypothesis-driven problem solving, clear executive communication, and ownership from problem definition through execution.

I am targeting post-MBA roles in strategy, consulting, or product where structured thinking and cross-functional leadership directly drive business outcomes.

Analytical Explorations

Analytical projects exploring strategy, product, and decision-making questions relevant to financial services and technology.

AI & Decision Support

Personal Finance Assistant - AI Agent

An AI-powered tool for managing personal finances with features like budget recommendations, expense categorization, and forecasting.

Business & Financial Modeling

Stock Analysis and Forecasting Tool

This project is a learning tool developed to analyze and forecast stock data using Python.

Financial Forecasting and Budgeting Tool

This project is a learning tool developed to demonstrate the process of financial forecasting, budgeting, and analysis.

Valuation Toolkit

This project is a financial valuation toolkit developed as a learning tool to help understand the concepts and calculations used in discounted cash flow (DCF) analysis, sensitivity analysis, and Monte Carlo simulation.

Advanced Analytical Models

Statistical Arbitrage Strategy with Cointegration

This is a simple Python program to understand the basics of Statistical Arbitrage (Stat Arb).

Market Maker Simulation

This repository contains Python scripts that simulate a market maker's behavior, focusing on buying and selling assets at prices around a "fair value," with inventory and risk management.

Analytics Tooling

Data Analysis Tool

A Python-based GUI application for data analysis and visualization using tkinter.

Python

Personal Expense Tracker

A Python tool to manage, analyze, and visualize expenses.

Resume

Click here to open as PDF

Niraj D’Souza

Herndon, VA mail@nirajdsouza.com linkedin.com/in/nirajdsouza

Professional Summary

MBA (NYU Stern) with 9 years’ experience solving complex business and operational challenges across payments and financial services in the U.S. and India. Known for hypothesis-driven problem solving, cross-functional leadership and delivering measurable client impact through consulting-style projects that translate analysis into actionable business results.

Experience

Capital One

McLean, VA

Business Manager, Fraud Strategy – Corporate — Feb 2025 to Present

  • Led a structured review and prioritization of 60+ fraud and risk-mitigation rules across commercial card portfolios, identifying redundancies and performance gaps that reduced false positives by ~20% while maintaining loss controls.
  • Partnered with product, data science, and operations leaders to redesign decision workflows and governance processes, improving operational efficiency by ~15% and increasing transparency for senior leadership.
  • Synthesized analytical findings into executive-ready recommendations, influencing investment prioritization and roadmap decisions for enterprise fraud strategy initiatives.

New York Wealth Planning Group (NYWPG)

New York, NY

MBA Summer Intern, Product Strategy & Business Development — Summer 2023

  • Conducted market segmentation and competitive analysis to identify growth opportunities across three customer segments, informing product positioning and go-to-market strategy.
  • Designed partnership and automation initiatives that increased campaign conversion by ~25% and expanded the active customer base by ~20%.
  • Presented structured recommendations to senior leadership, supporting strategic decisions for scaling the firm’s health insurance subsidiary.

Accenture

Mumbai, India

Team Lead, Credit-Card Market Program Launch & Operations — Nov 2020 – Aug 2022

  • Led an 8-member cross-functional team to launch a new credit-card portfolio for a private bank, taking ownership from requirements definition through go-live and early performance monitoring.
  • Drove program execution across product configuration, risk rules, and operational readiness, enabling 100K+ card acquisitions within the first year and improving approval rates by ~40%.
  • Introduced Agile delivery frameworks and stakeholder governance that reduced turnaround times by ~30% and improved client satisfaction with delivery quality and predictability.

Wipro Limited

Pune, India

Senior Project Engineer, Financial Services Division — Dec 2014 – Nov 2020

  • Delivered cloud migration across eight markets reducing CAPEX 30% and deployment time 40%.
  • Automated core maintenance processes saving $4.5K per month and improving system uptime 15%.
  • Collaborated with client technology leaders to design integration prototype later scaled enterprise-wide.

Education

  • New York University – Leonard N. Stern School of Business — MBA (Strategy, Finance & Management) - May 2024
    Dean’s List; VP, Management Consulting Association; VP, South Asian Business Association at Stern
  • VIT University — MTech. Information Technology - May 2019
  • University of Mumbai — B.Sc. Information Technology - June 2019

Leadership & Community

  • Organized digital and financial-literacy programs for underserved youth.
  • Mentored analysts and students to develop inclusive leadership and consulting skills, fostering diversity and collaboration
  • Founded and managed student newsletter still published a decade later.

Skills & Certifications

Skills: Strategy & Operations Analysis • Financial Modeling • Data Analytics (SQL, Python) • Process Optimization • Agile Leadership

Certifications: Certified ScrumMaster • Google Project Management • IBM AI Fundamentals