Utsav K Raj

Designed and implemented KYCU (Know Your Customer Unified) process to streamline customer onboarding and ensure regulatory compliance for the Mexico market. Integrated IDmission, reducing application-to-card delivery time from 25 days to 45 days, resulting in a 1520% increase in successful applications and estimated $1215M in annual revenue. Designed and implemented digital onboarding for new product lines Companion and Reverse Companion cards for eligible existing customers, increasing cross-sell conversions by 57% and contributing to $810M in additional annual revenue. Actively involved in production deployments, incident resolution, and post-release support, ensuring high system reliability and performance.

Worked on the Enterprise Feedback Management project, developing an application that processes input requests, filters and maps them to specific surveys based on location, language, and interaction types, and sends surveys to customers. Designed and implemented the Survey App, delivering a user-friendly platform for creating surveys and generating unique URLs for distribution, streamlining the user experience and facilitating seamless survey creation. Consolidated multiple highly redundant and complex DB tables, improving performance by 18%. Designed and implemented the API to send test SMS from a web application, enabling the business team to test surveys. Addressed and resolved production issues while on-call, ensuring uninterrupted system performance and reliability.

Developed and maintained Java-based backend modules to support clinical data processing workflows. Created RESTful APIs using Spring Boot to expose patient data services for internal reporting and analytics teams.