Apr 2022 – May 2023 · 1 yr 1 mo

• Built the merchant lending business from scratch.
• Designed and implemented credit risk strategies, model development, and process improvements for cost optimization.
• Optimized risk-based pricing for merchant loans.
• Built a loan book of ₹3200 Cr AUM with total disbursements of ~₹12000 Cr.
• Developed credit risk models and early warning signals for collections, enhancing cost management and operational efficiency.

Oct 2021 – Jul 2022 · 9 mos

Mar 2020 – Sep 2021 · 1 yr 6 mos

• Defined and implemented risk policies for various loan products.
• Developed scorecards for underwriting all loan products.
• Monitored portfolio performance and adjusted policies and scorecards accordingly.
• Incorporated collection feedback into the risk policy.

Jun 2018 – Mar 2020 · 1 yr 9 mos · Greater Delhi Area

• Developed comprehensive 𝗰𝗿𝗲𝗱𝗶𝘁 𝗿𝗶𝘀𝗸 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 and 𝘀𝗰𝗼𝗿𝗲𝗰𝗮𝗿𝗱 for MSME merchants leveraging:
• 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝘁𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻 𝗱𝗮𝘁𝗮
• 𝗖𝗿𝗲𝗱𝗶𝘁 𝗯𝘂𝗿𝗲𝗮𝘂 𝗱𝗮𝘁𝗮
• 𝗜𝗻𝗰𝗼𝗺𝗲 𝗧𝗮𝘅 𝗥𝗲𝘁𝘂𝗿𝗻 (𝗜𝗧𝗥) 𝗱𝗮𝘁𝗮
• 𝗚𝗼𝗼𝗱𝘀 𝗮𝗻𝗱 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗧𝗮𝘅 (𝗚𝗦𝗧) 𝗱𝗮𝘁𝗮
• Designed and implemented 𝗰𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗼𝗻 𝗲𝗮𝗿𝗹𝘆 𝘄𝗮𝗿𝗻𝗶𝗻𝗴 𝘀𝗶𝗴𝗻𝗮𝗹𝘀 to optimize collection strategies
• 𝗘𝗻𝗵𝗮𝗻𝗰𝗲𝗱 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗺𝗮𝗸𝗶𝗻𝗴 processes through the integration of advanced data analytics
• Ensured 𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘆 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰e while aligning risk management practices with industry standards
• 𝗖𝗼𝗹𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗲𝗱 𝘄𝗶𝘁𝗵 𝗰𝗿𝗼𝘀𝘀-𝗳𝘂𝗻𝗰𝘁𝗶𝗼𝗻𝗮𝗹 𝘁𝗲𝗮𝗺𝘀 to seamlessly integrate risk models into business operations
• Provided 𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗯𝗹𝗲 𝗶𝗻𝘀𝗶𝗴𝗵𝘁𝘀 𝘁𝗼 𝘀𝗲𝗻𝗶𝗼𝗿 𝗺𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 based on thorough analysis of risk metrics and trends
• 𝗠𝗲𝗻𝘁𝗼𝗿𝗲𝗱 𝗷𝘂𝗻𝗶𝗼𝗿 𝘀𝘁𝗮𝗳𝗳, fostering their understanding of credit risk management principles and practices

Mar 2017 – Jun 2018 · 1 yr 3 mos · Gurgaon, India

• 𝗦𝘁𝗿𝗲𝗮𝗺𝗹𝗶𝗻𝗲𝗱 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗽𝗿𝗼𝗰𝗲𝘀𝘀𝗲𝘀 𝗮𝗻𝗱 𝗶𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗲𝗱 𝗿𝗼𝗯𝘂𝘀𝘁 𝗿𝗶𝘀𝗸 𝗽𝗼𝗹𝗶𝗰𝗶𝗲𝘀 in collaboration with various departments, including Anti-Fraud, Collections, Online Business, Marketing, and IT.
• 𝗗𝗲𝗿𝗶𝘃𝗲𝗱 𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗯𝗹𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗶𝗻𝘀𝗶𝗴𝗵𝘁𝘀 from Credit Bureaus, payment data, and online transaction data utilizing advanced Data Science techniques.
• 𝗜𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗲𝗱 𝗮 𝗹𝗼𝗮𝗻 𝘂𝗻𝗱𝗲𝗿𝘄𝗿𝗶𝘁𝗶𝗻𝗴 𝗽𝗿𝗼𝗰𝗲𝘀𝘀 using a scorecard in Blaze Advisor.
• 𝗔𝘂𝘁𝗼𝗺𝗮𝘁𝗲𝗱 𝗿𝗶𝘀𝗸 𝗿𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴 processes, generating daily, weekly, and monthly reports for organisational distribution.
• 𝗗𝗲𝗳𝗶𝗻𝗲𝗱 𝗿𝘂𝗹𝗲-𝗯𝗮𝘀𝗲𝗱 𝗲𝗹𝗶𝗴𝗶𝗯𝗶𝗹𝗶𝘁𝘆 𝗰𝗿𝗶𝘁𝗲𝗿𝗶𝗮 for hard checks and knock-outs.
• 𝗖𝗼𝗹𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗲𝗱 𝘄𝗶𝘁𝗵 𝗢𝗻𝗹𝗶𝗻𝗲 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗮𝗻𝗱 𝗠𝗮𝗿𝗸𝗲𝘁𝗶𝗻𝗴 𝘁𝗲𝗮𝗺𝘀 to optimize marketing campaigns based on risk segmentation and UTM parameters, improving risk outcomes.
• 𝗗𝗲𝘃𝗲𝗹𝗼𝗽𝗲𝗱 𝗮𝗻𝗱 𝗺𝗮𝗶𝗻𝘁𝗮𝗶𝗻𝗲𝗱 𝗮 𝗰𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲 𝗺𝗮𝗻𝘂𝗮𝗹 for the Loan Verification Team for the online loan approval process.
• 𝗟𝗮𝘂𝗻𝗰𝗵𝗲𝗱 𝗮 𝗻𝗲𝘄 𝗵𝗶𝗴𝗵-𝘃𝗮𝗹𝘂𝗲 𝗹𝗼𝗮𝗻 𝗽𝗿𝗼𝗱𝘂𝗰𝘁 after successfully reducing the FPD30 threshold by one-third.
• The online loan product of Home Credit enables loan disbursement directly into the customer's bank account without any physical interaction.

May 2015 – Feb 2017 · 1 yr 9 mos · New Delhi Area, India

Apr 2014 – Apr 2017 · 3 yrs · Kanpur, Uttar Pradesh, India

• Skill Development School for rural students