Abhinay Singh — Business Development Executive
Dynamic FinTech professional with extensive experience in digital lending growth and risk management(Both Consumer Lending and Merchant Lending). Currently, at PhonePe I am collaborating with lenders to implement a Pre-Approved Whitelist and Risk Policy, ensuring balanced risk across portfolios and optimizing supply and disbursals. I partner with the Offline Field Team and Merchant Onboarding team to develop targeted marketing strategies that enhance merchant engagement with PhonePe and increase loan adoption through a Risk-Based Pricing mechanism. My day-to-day work includes tracking Loan Origination Systems (LOS) and managing funnels to streamline processes and improve efficiency. Previously at Flipkart, I contributed to customer acquisition and portfolio management for the Buy Now Pay Later (BNPL) and Cardless EMI products. I assessed credit risk, designed collection strategies, and managed partnerships while ensuring regulatory compliance. My efforts led to multiple awards for ownership and innovation, alongside significant improvements in repayment and retention rates. At HSBC, I oversaw portfolio growth and risk for premium credit card categories, developing credit policies and collaborating with Marketing to enhance offers. I effectively managed risk by identifying patterns and blacklisting defaulters. As an analytics expert at The Smart Cube, I led a cost optimization projects for FMCG as well as Financial Services companies, saving approximately INR 70 Crores annually for my clients, and developed analytical tools to support fraud detection and risk analysis for a lending client. With a commitment to driving growth and fostering strong industry partnerships, I am passionate about leveraging data-driven strategies to enhance financial products and services.
Stackforce AI infers this person is a FinTech professional with expertise in lending growth and risk management.
Location: Bengaluru, Karnataka, India
Experience: 7 yrs
Skills
- Growth Strategies
- Loan Risk Management
- Credit Risk Management
- Strategic Partnerships
- Consumer Lending
- Customer Acquisition
- Business Analysis
- Data Analysis
Career Highlights
- Led cost optimization projects saving INR 70 Crores annually.
- Implemented credit acquisition strategies for sustainable lending growth.
- Achieved high customer satisfaction through innovative product capabilities.
Work Experience
PhonePe
Category Manager – Lending Growth & Business Alliance (1 yr 1 mo)
Asso. Category Manager – Lending Growth & Business Alliance (9 mos)
Flipkart
Assistant Manager II - Credit Risk, Growth & Partnerships (2 yrs 3 mos)
HSBC
Senior Analyst - Credit Risk & AML (10 mos)
EY
Consultant (6 mos)
The Smart Cube
Senior Analyst (6 mos)
Category Analyst (1 yr 7 mos)
Education
Bachelor of Technology (B.Tech.) at National Institute of Technology Hamirpur-Alumni
