Jun 2019 – Dec 2019 · 6 mos · Bengaluru, Karnataka, India · On-site

• Heading the Product, Business and Risk verticals of the SME Lending arm of Razorpay. Scaled the Instant Settlement Product 25X in <6 months. Helped reach $3 Bn+ (25000 Cr+) Processing Volume annual run rate

Mar 2016 – Jun 2019 · 3 yrs 3 mos · Bengaluru Area, India

• Managing the day-to-day lending business at Qbera - Heading the entire Credit Risk and Data Analytics function for evolution of a data and model driven approach and driving the complete Operations and Compliances around the same across Credit Operations, Underwriting Support, Collections and Customer Service. Managing multiple FLDG based lender partnerships with Banks such as RBL Bank, IndusInd Bank and NBFCs such as Fullerton, controlling exposure and balancing growth, successfully maintaining losses below 1% on a cumulative disbursals of >250 Crores. Company was acquired by E-City Ventures and later sold to InCred

Feb 2014 – Aug 2015 · 1 yr 6 mos · Noida Area, India

• Leading a team of 8 IIT graduates/analysts for key risk-related strategic initiatives for a US Credit Card issuer
• Responsible for all generations of line/exposure assignment using risk/return frameworks, currently expanding into both Existing Customers and Prospects
• Responsible for revamping the Underwriting Strategy to minimize risk and maximize returns/revenue by identifying pockets for credit expansion with minimum loss rates
• Working on specialized channels like College/Student and Secured Cards for better initial risk assessments
• Also responsible for completing line monitoring, line testing and revenue growth initiatives
• Conceptualized key strategies for credit expansion and revenue growth in the Near-Prime and Sub-Prime populations using Resiliency and Risk Volatility frameworks
• Awarded 'Team of the Year 2014' in the first year of operation

Nov 2012 – Mar 2016 · 3 yrs 4 mos · New Delhi Area, India

• Employability Platform simplifying Campus Placement Preparation. StudyBud provided learning modules for different skills, company specific assessments for more targeted evaluation, monitoring of students on more than 50 metrics and recruitment support in 3500+ companies, specialising in SMEs, Core Sector and Start-ups. Acquired in 2019 in an all cash deal.

Mar 2011 – Nov 2012 · 1 yr 8 mos · Gurgaon, India

• Part of the Consumer and Small Business MR/Loyalty Analytics team. Responsible for MR Strategy, Partner Value Analysis, Campaign Analysis, Point Redemption Tracking. Led the MIDAS team for mitigating the impact of Continental Airlines exit from American Express Partnerships - performed customer retention and air-hub specific offer strategy development.
• Also designed, conceptualized and conducted Deck Mechanics training for the MT batch at American Express on multiple occasions.

Apr 2009 – Feb 2011 · 1 yr 10 mos · Gurgaon, India

• Part of the Commercial Decision Science team for the Small Business (OPEN) Portfolio
• Responsible for completely revamping the Charge Card Review Trigger strategy using Commercial Bureau information along with new data sources
• Responsible for using Bank Failure data to enhance risk capabilities for better understanding of consumer risk based on 'Where they bank'​
• Member of credit risk model development for the small business and consumer portfolio
• Building key risk mitigation strategies such as Oil Spill geographies' Risk Triggers
• Building Early Warning Triggers using Corporate Card Information
• Understanding Financial Underwriting and Documents submitted by Small Businesses for Manual Underwriting decisions

Apr 2008 – Mar 2009 · 11 mos · Gurgaon, India

• Part of the Internal Acquisitions team for the Small Business (OPEN) Portfolio
• Responsible for Behavioral Model Tracking for Balance, Spend and Attrition
• Online Strategy Development using Click-Stream Data Analysis (particularly using Omniture Data)
• Behavioral Model Development
• Customer Value Calculations and Simplification for offer optimization