Sanjay Kar

Director of Engineering

Bengaluru, Karnataka, India18 yrs 11 mos experience
Highly StableAI Enabled

Key Highlights

  • 16+ years of experience in risk management.
  • Developed flagship credit bureau scores for three countries.
  • Delivered analytical solutions using advanced analytics and machine learning.
Stackforce AI infers this person is a Fintech expert specializing in risk management and advanced analytics.

Contact

Skills

Core Skills

Risk AnalyticsPredictive AnalyticsBusiness StrategyCredit RiskLoss Mitigation

Other Skills

StrategyBankingLendingUnderwritingCustomer Segmentation StrategyPresentationsCreditPython (Programming Language)AnalysisPortfolio ManagementDigital StrategyStatistical ModelingStatutoryLeadershipBusiness Risk

About

Analytics expert having 16+ years of experience in risk management with leading financial institutions & bureau. Developed Equifax Consumer credit score and Commercial Rank. Synopsis: - Developed advance Analytics COE's and built flagship Credit bureau score for three countries. - Developed first ever Commercial bureau score using financial data for the Saudi market. - Delivered analytical solutions for banks, NBFC's & Fintech using Advance analytics and Machine learning. - Scorecard development for Credit risk, Fraud analytics, Collection, Underwriting and Marketing campaign. - Credit card analytics( Acquisition, Line management, Forecasting, Strategy development & new product design). - Exploring alternate data and innovative solutions for the NTC population using ML. - Forecasting and portfolio management strategy for Mortgage,Overdraft & Line of credit. -Other diverse areas of work includes, Operational risk, Model monitoring, Pricing and RWA forecasting. - Many solutions using transaction data and non credit data for credit usage. - Consulted to Banks, NBFC's, MFI's and Fintechs for risk models and strategies and developed 100's of analytical solution for portfolio growth and risk management.

Experience

18 yrs 11 mos
Total Experience
3 yrs 3 mos
Average Tenure
2 yrs 4 mos
Current Experience

Mpokket

2 roles

Head of Data & Analytics

Jun 2025Present · 11 mos · Bengaluru, Karnataka, India

Senior Vice President - Data & Analytics

Jan 2024Jun 2025 · 1 yr 5 mos · Bengaluru, Karnataka, India

  • Managing Credit risk,Fraud risk and growth through data, models and strategy.

Paytm

Head Data Science - Lending

Sep 2023Jan 2024 · 4 mos · Bengaluru, Karnataka, India

  • Heading Data Science for lending products ( Post paid, Personal Loan, Merchant loan)

Equifax india

2 roles

Head Of Analytics

Promoted

May 2018Sep 2023 · 5 yrs 4 mos · On-site

  • Analytical solutions using ML & AI
Risk AnalyticsStrategyBankingLendingUnderwritingCustomer Segmentation Strategy+19

AVP - Bureau Analytics

May 2018Mar 2020 · 1 yr 10 mos · On-site

  • Developing analytical products using bureau data

Hsbc

Lead Manager - Risk analytics Lending

Oct 2014May 2018 · 3 yrs 7 mos · Bengaluru Area, India

  • Managing risk analytics team dedicated to Overdraft and Line of Credit portfolio
  • Credit risk strategy development, portfolio management, Loss forecasting, Model Validation and reporting
LendingStatutoryBusiness RiskBusiness StrategyRisk Analytics

Jp morgan chase

Senior Credit Risk strategist

Nov 2008Oct 2014 · 5 yrs 11 mos · Mumbai

  • Developing strategies to enhance the growth and minimize credit risk for Chase card portfolio.
  • Creating Operational risk reporting framework and operational risk management
  • Growth of Travel & Hotel credit card and portfolio management
LendingBusiness RiskBusiness StrategyCredit Risk

Citigroup global services ltd

Asst. Manager

Jun 2007Nov 2008 · 1 yr 5 mos · Mumbai

  • Leading loss mitigation projects for Partner card portfolio
LendingBusiness RiskBusiness StrategyLoss Mitigation

Education

Indian Institute of Technology, Madras

M.Sc. — Mathematics

Jan 2005Jan 2007

Fakirmohan University

Graduation — Mathematics and Statistics

Jan 2002Jan 2005

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