Pratik Khandelwal

CEO

Gurgaon, Haryana, India12 yrs 3 mos experience

Key Highlights

Spearheaded credit policy development for fintech products.
Achieved INR 600 crore+ monthly PL originations.
Led high-performing teams in risk and collections strategy.

Stackforce AI infers this person is a Fintech expert specializing in risk management and credit policy development.

Contact

Skills

Core Skills

Risk ManagementCredit PolicyCredit RiskData Science

Other Skills

CollectionsRisk GovernancePortfolio ManagementECLTeam BuildingFraud RiskAnalyticsFraud DetectionCredit Card FraudSAS ProgrammingMicrosoft ExcelFinTechVBARMicrosoft Office

About

Results-driven risk and credit policy leader with extensive experience scaling credit and risk functions for fintech operations in India. Starting as a Credit Analyst and growing to Senior Director at PayU Finance, I spearheaded the development of credit policies for Personal Loans (PL) and Buy Now Pay Later (BNPL) products, driving PL originations to INR 600 crore+ monthly and scaling BNPL to INR 100 crore+ with losses below 2%. I specialize in designing data-driven credit policies, deploying advanced risk frameworks, and managing diverse borrower segments to ensure sustainable profitability. Adept at team leadership, I built and led a high-performing team for credit and collections strategy, introducing intelligent systems like voice bots to boost efficiency and resolutions. I represented PayU Finance at the Board level(as interim CRO), leading initiatives like the development of ECL frameworks and ICAAP assessments while ensuring successful regulatory compliance with RBI. My expertise lies in risk governance, credit innovation, and scaling tech-enabled financial solutions for India’s fast-evolving fintech ecosystem.

Experience

12 yrs 3 mos

Total Experience

Average Tenure

Current Experience

Payu

5 roles

Senior Director - Risk

Promoted

Dec 2024 – Present · 1 yr 6 mos

Director - Risk

Promoted

Dec 2022 – Dec 2024 · 2 yrs

Senior Manager Risk Analytics

Oct 2020 – Nov 2022 · 2 yrs 1 mo

Head of Credit Policy for Personal Loans and Head of Collection Strategy
Constructed risk management frameworks for Personal Loans across diverse channels, including DSA, Digital Channels, and Cross-Selling.
Developed and implemented effective risk management strategies for the FLDG based lending business.
Demonstrated a strong ability to enhance profitability across all business areas by efficiently reducing losses and implementing revenue-generating growth initiatives.
Established dedicated teams for each business vertical, ensuring specialized focus and expertise in risk and collection strategies.
Achieved outstanding results in 100% digital collections for low-ticket BNPL products, maintaining cohort-level losses at less than 2%.
Effectively scaled collections for personal products post-COVID, demonstrating adaptability and resilience in challenging circumstances.

CollectionsRisk GovernanceRisk ManagementPortfolio ManagementCredit Policy

Manager Risk Analytics

Promoted

Apr 2018 – Sep 2020 · 2 yrs 5 mos

Head of Credit Policy for Personal Loans(Lazypay and Paysense)
Designed and implemented comprehensive acquisition risk policies for personal loan products, covering both salaried and self-employed individuals.
Effectively navigated and managed risk during the challenging COVID-19 economic downturn.
Orchestrated successful co-lender partnerships for off-book lending initiatives.
Established and led a high-performing team dedicated to risk management for personal loans sourced from the open market.

Risk ManagementCredit PolicyECL

Credit Analyst

May 2017 – Mar 2018 · 10 mos

Head of Risk in the Buy Now Pay Later(BNPL) product:
Successfully managed risk for the groundbreaking BNPL product during its initial launch.
Instrumental in driving the product's remarkable growth from zero to 100 crore originations per month while ensuring effective risk management.
Demonstrated multifaceted expertise by seamlessly handling analytics, risk model development, dashboard creation, and ETL pipeline management.
Built and led a dedicated risk team specifically tailored to the BNPL product's unique requirements.

Credit RiskTeam BuildingFraud RiskData ScienceAnalytics

Axtria - ingenious insights

2 roles

Associate

Apr 2016 – Apr 2017 · 1 yr · Gurugram, Haryana, India

Business Analyst

Jul 2015 – Mar 2016 · 8 mos · Gurugram, Haryana, India

Innoplexus

Research Analyst(Intern)

May 2014 – Jul 2014 · 2 mos · Gurugram, Haryana, India

Identified and validated Key Opinion Leaders for the promotion of a breast cancer drug in European, African and Middle East countries for a US based Fortune 500 pharmaceutical client.
Explored white space opportunities in Oncology in Sub-Saharan Africa for a leading US based pharmaceutical company through capability assessment and detailed secondary research.

Alumni relations cell, iit roorkee

General Manager

Jul 2013 – Apr 2015 · 1 yr 9 mos · IIT Roorkee

Worked directly under Dean of Alumni Affairs for strengthening of the alumni - institute relationship. Organised a series of guest lectures, seminars, talks and alumni meets to keep alumni connected.

Rays power infra

Research Analyst & Technical Support(Intern)

Jun 2013 – Jul 2013 · 1 mo · Greater Jaipur Area

The work was related to the solar energy systems and the research in making of low cost and high efficient solar cells.
State Solar Policies were studied to perform ROI upon setting up solar plants in states like Uttar Pradesh, Punjab, etc as well as in countries like Sudan, South Africa, etc.