Ratepay
Utsab Bagchi is a seasoned product management professional with extensive experience across various industries, currently serving as Principal Product Manager at Ratepay since June 2023. Prior roles include Senior Product Manager of Payments at Zalando SE, where Utsab implemented machine learning solutions to mitigate refund fraud and drove collaborations to enhance fraud detection processes. Utsab also held positions such as Senior Product Owner at ADP, overseeing the Financial Crime & Risk Management program, and Program Manager at Microsoft, managing the Windows 10 launch project. Utsab's educational background includes an MBA in Management Information Systems and Operations Management from the Indian Institute of Management, Calcutta, and a bachelor's degree in Electronics and Communications Engineering from IIEST, Shibpur.
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Ratepay
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Ratepay are specialised in online payment solutionsRatePAY is the perfect payment partner for a successful e-commerce business. They optimize the payment process in the checkout of an online shop with their products. Merchants can offer their customers safe and popular payment methods such as instalment payments, open invoice and direct debit.Merchants transfer the risk of default payments directly to RatePAY while increasing their revenue at the same time.They bring together all parties involved and take over the organisation, management and coordination of all upcoming tasks. They assume the full responsibility for their efficient risk management themselves, since they are experts in this field and continually work on fostering, tailoring and optimising their audit and assessment methods. They also undertake tasks as debtor management. As far as their technology is concerned, they rely on powerful methods, tools and service providers.RatePAY GmbH was founded in late 2009 by internet and payment experts. They are a young, professional and highly motivated company. They are constantly looking for the best possible innovative solutions. Together with the experience and expertise of their entire staff, their service providers and consultants, this is reflected in each of their products.RatePAY GmbH is part of the Otto Group.