Bidya Bibhu - Global Lead

Q: Where is Bidya based?

Bidya is based in Berlin, Germany and prefers 100% remote projects.

Q: What languages does Bidya speak?

Bidya speaks the following languages: English (Native), Hindi (Advanced), German (Intermediate) .

Q: How many years of experience does Bidya have?

Bidya has at least 11 years of experience. During this time, Bidya has worked in at least 6 different roles and for 6 different companies . The average length of individual experience is 2 years and 10 months . Note that Bidya may not have shared all experience and actually has more experience.

Q: What is Bidya's latest experience?

Bidya's most recent position is Global Lead (Product) – Payments Platform (Risk & Data Products) at Chargebee .

Q: What companies has Bidya worked for in recent years?

In recent years, Bidya has worked for Chargebee , CRED , BureauId , Foodpanda , and Alamy .

Q: Which industries is Bidya most experienced in?

Bidya is most experienced in industries like Information Technology (IT) , Retail , and Banking and Finance . Bidya also has some experience in Food and Beverage , Media and Entertainment and Publishing .

Q: Which business areas is Bidya most experienced in?

Bidya is most experienced in business areas like Business Intelligence , Product Development , and Project Management . Bidya also has some experience in Operations , Finance , and Information Technology (IT) .

Q: Which industries has Bidya worked in recently?

Bidya has recently worked in industries like Information Technology (IT) , Banking and Finance , and Food and Beverage .

Q: Which business areas has Bidya worked in recently?

Bidya has recently worked in business areas like Business Intelligence , Product Development , and Operations .

Recommended expert

Berlin, Germany

Experience

Jan 2024 - Present

2 years 2 months

Global Lead (Product) – Payments Platform (Risk & Data Products)

Chargebee

Own strategy and roadmap for the payment orchestration and risk intelligence products serving enterprise subscription customers.
Conduct deep workflow discovery and user interviews to redesign onboarding experience, resulting in 5× funnel throughput and 70% reduction in manual steps.
Define PRDs for scalable data pipelines, fraud signals, and automation logic, improving insight accuracy and speed of decision-making by 30%.
Partner with engineering, data, design, and security to ship 15+ enterprise features with 100% successful release quality.
Introduce risk analytics dashboards and performance KPIs, reducing investigation time by 40% and improving visibility across teams.
Lead prioritization of new capabilities, tech debt, and security initiatives (PCI DSS, access controls, auditability).
Lead development of ML-based fraud detection models (regression, decision trees) to identify high-risk transactions, reducing chargebacks by 20%.
Design end-to-end analytics dashboards (Tableau, Redshift) to visualise global risk exposure, cutting onboarding SLA from 2.4 days to 3 minutes.
Partner with engineering and data teams to deploy scalable payment risk frameworks, enhancing compliance visibility and decision speed.
Mentor analysts and data scientists through agile sprint cycles, embedding a data-driven culture across risk operations.

Jan 2021 - Present

5 years 2 months

Product Owner – Payments & Fraud (B2C & Lending Products)

CRED

Owned roadmap for payments, risk, and dispute-resolution features.
Delivered automated fraud workflows preventing $250K+ in losses within 4 months.
Improved dispute handling efficiency by 50% via redesigned operational tooling.
Integrated SQL-based data validation tools, reducing manual review time by 35%.

Jan 2021 - Dec 2024

4 years

Product Manager – Fraud, Identity & Data Platform

BureauId

Owned product roadmap for identity verification, fraud detection, and analytics tools used by banks and fintechs.
Conducted 100+ stakeholder interviews and requirements workshops across enterprise customers, resulting in a unified workflow architecture that reduced onboarding time from 6 weeks to 2.
Shipped advanced decisioning features and fraud signals that improved detection accuracy by 30%.
Designed data models and self-serve dashboards enabling customers to analyze fraud patterns; improved time-to-insight by 45%.
Introduced structured PRDs and KPI frameworks, enabling engineering to deliver features 25% faster.
Supported go-to-market by defining value propositions, use cases, and customer rollout plans.
Owned roadmap for Encryption-as-a-Service and billing products, accelerating client decision-making by 20% YoY.
Developed fraud scoring models using Python and ML algorithms, reducing fraudulent activity by 15%.
Built centralised data infrastructure using DBT, Airflow, and Redshift, saving $40K annually in data operation costs.
Automated client onboarding workflows, improving reliability and product adoption.

Jan 2021 - Dec 2022

2 years

Payment Solutions Product Specialist (SaaS & Data Products)

Foodpanda

Owned payment performance tooling across 15 markets, improving authorization rates by 8% through workflow and data improvements.
Worked with data teams to enhance insight dashboards, reducing time-to-diagnose issues by 35%.
Built dashboards for end-to-end payment lifecycle, reducing refund resolution time from 4 days to 1 day.
Partnered with Central Europe data science teams, saving €200K weekly through financial loss prevention.
Automated financial reporting, enhancing transparency and decision-making efficiency.

Jan 2020 - Dec 2021

2 years

Manager – Data Platform (Analytics & Insights)

Alamy

Built forecasting and reporting frameworks, improving demand prediction accuracy by 18%.
Led a global 7-member analytics team, reducing ad-hoc manual reporting by 40% through automation.
Standardised KPI and dashboard design for leadership, speeding up business decisions.
Owned roadmap for internal analytics platform used by business and operational teams.
Improved data refresh frequency from daily to hourly, increasing insight quality and decision velocity by 40%.

Jan 2015 - Dec 2020

6 years

Program Manager / Business Data Lead

Amazon

Owned global payment features and multi-region integrations for cross-border checkout.
Improved authorization rates by 12% through workflow redesign and provider routing strategies.
Defined product metrics and dashboards to measure performance and detect anomalies.
Led strategy and roadmap for fraud detection product serving millions of monthly transactions.
Reduced bad debt from $1.3M to $270K (80% improvement) by designing new detection paths and analytical tooling.
Delivered 30+ features improving detection speed, accuracy, and operational efficiency.
Led business and marketing teams using QuickSight and SQL, resulting in a 23% YoY increase in new sellers' acquisition.
Implemented scalable solutions using Python and R scripts, leading to a weekly headcount save of 34 hours.
Transformed the chargeback and fraud mitigation process, reducing manual hours by 1,658 while saving $1M annually from bad debt.
Automated daily reporting, eliminating manual work and gaining 3 permanent headcounts for the team.
Implemented automated chargeback and fraud mitigation systems using Python and R, saving $1M annually.

Industries Experience

See where this freelancer has spent most of their professional time. Longer bars indicate deeper hands-on experience, while shorter ones reflect targeted or project-based work.

Experienced in Information Technology (11 years), Retail (6 years), Banking and Finance (5 years), Food and Beverage (2 years), and Media and Entertainment (2 years).

Information Technology

Retail

Banking and Finance

Food and Beverage

Media and Entertainment

Business Areas Experience

The graph below provides a cumulative view of the freelancer's experience across multiple business areas, calculated from completed and active engagements. It highlights the areas where the freelancer has most frequently contributed to planning, execution, and delivery of business outcomes.

Experienced in Business Intelligence (11 years), Product Development (11 years), Project Management (6 years), Operations (5 years), Finance (2 years), and Information Technology (2 years).

Business Intelligence

Product Development

Project Management

Operations

Finance

Information Technology

Summary

Analytical and results-oriented data leader with 10+ years of experience driving business impact through BI, automation, and AI-enabled data products in fintech, SaaS, and e-commerce. Expert in designing and scaling analytical systems, data pipelines, and ML-based solutions that deliver measurable value. Proven track record of optimizing operations, reducing fraud, and driving decision intelligence at scale. Combines deep technical fluency (SQL, Python, DBT, Airflow, AWS, Redshift) with a strategic business mindset. (Data and analytics expert with over 10 years of experience in data products, BI, and automation.)

Skills

Data Governance Expert
Data Architecture Advanced
Data Product Management Expert
Aws Advanced
Kpi Design Expert
Tableau Advanced
Business Intelligence Expert
Power Bi Intermediate
Roadmap Ownership Expert
Apache Superset Expert
Project Management Expert
Quicksight Expert
Sql Expert
Regression Intermediate
Python Advanced
Classification Expert
Dbt Expert
Clustering Advanced
Airflow Expert
Generative Al Advanced
Redshift Expert
Agile Expert
Data Storytelling Expert
Stakeholder Management Expert

Languages

English

Native

Hindi

Advanced

German

Intermediate

Education

New Horizon College of Engineering

Bachelor of Engineering · Electronics And Communication Engineering · India

Birla Institute of Technology And Science

MBA · Quality Management · India

Certifications & licenses

AWS Essentials

Advance Database and SQL Querying

Critical thinking

GDPR for Management

Introduction to Database and SQL Query

Product Management: Building Product Roadmap

SQL Data Reporting and Analytics

Profile

Created

February 2026

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Frequently asked questions

Do you have questions? Here you can find further information.

Where is Bidya based?

Bidya is based in Berlin, Germany and prefers 100% remote projects.

What languages does Bidya speak?

Bidya speaks the following languages: English (Native), Hindi (Advanced), German (Intermediate).

How many years of experience does Bidya have?

Bidya has at least 11 years of experience. During this time, Bidya has worked in at least 6 different roles and for 6 different companies. The average length of individual experience is 2 years and 10 months. Note that Bidya may not have shared all experience and actually has more experience.

What roles would Bidya be best suited for?

Based on recent experience, Bidya would be well-suited for roles such as: Global Lead (Product) – Payments Platform (Risk & Data Products), Product Owner – Payments & Fraud (B2C & Lending Products), Product Manager – Fraud, Identity & Data Platform.

What is Bidya's latest experience?

Bidya's most recent position is Global Lead (Product) – Payments Platform (Risk & Data Products) at Chargebee.

What companies has Bidya worked for in recent years?

In recent years, Bidya has worked for Chargebee, CRED, BureauId, Foodpanda, and Alamy.

Which industries is Bidya most experienced in?

Bidya is most experienced in industries like Information Technology (IT), Retail, and Banking and Finance. Bidya also has some experience in Food and Beverage, Media and Entertainment and Publishing.

Which business areas is Bidya most experienced in?

Bidya is most experienced in business areas like Business Intelligence, Product Development, and Project Management. Bidya also has some experience in Operations, Finance, and Information Technology (IT).

Which industries has Bidya worked in recently?

Bidya has recently worked in industries like Information Technology (IT), Banking and Finance, and Food and Beverage.

Which business areas has Bidya worked in recently?

Bidya has recently worked in business areas like Business Intelligence, Product Development, and Operations.

What is Bidya's education?

Bidya holds a Master in Quality Management from Birla Institute of Technology And Science and a Bachelor in Electronics And Communication Engineering from New Horizon College of Engineering.

Does Bidya have any certificates?

Bidya has 7 certificates. Among them, these include: AWS Essentials, Advance Database and SQL Querying, and Critical thinking.

What is the availability of Bidya?

Bidya is immediately available full-time for suitable projects.

What is the rate of Bidya?

Bidya's rate depends on the specific project requirements. Please use the Meet button on the profile to schedule a meeting and discuss the details.