Abhishek Anand

Associate Consultant

Mumbai, Maharashtra, India10 yrs 10 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Expert in credit risk modeling and analytics.
Proven track record in data-driven strategy.
Award-winning leader in credit risk strategy.

Stackforce AI infers this person is a Fintech expert specializing in credit risk analytics and data science.

Contact

Skills

Core Skills

Data ScienceCredit Risk ModelingMachine LearningBusiness AnalyticsData Integration

Other Skills

Python (Programming Language)SQLMicrosoft Power BIData AnalysisLogistic RegressionCustomer ServiceMicrosoft OfficeManagementMicrosoft ExcelMicrosoft WordPowerPointPublic SpeakingResearchProject ManagementLeadership

About

Analytical and insight-driven Credit Risk Analyst with expertise in portfolio analytics, credit decisioning, and data-driven strategy. Proven ability to translate data into actionable insights for policy and business impact.

Experience

10 yrs 10 mos

Total Experience

3 yrs 7 mos

Average Tenure

6 yrs 6 mos

Current Experience

L&t finance

3 roles

Senior Manager - Data Science & Analytics

Promoted

Oct 2023 – Present · 2 yrs 7 mos · Mumbai, Maharashtra, India

📌 Credit Risk & Strategy
Led credit model reviews for partners (CRED, Flipkart, GPay, PhonePe)
Designed bureau-driven approval strategies – 20% approval, 2.5% 30+12 bad rate
Built automated pre-approved offer systems with dynamic credit limits
📌 X-Bucket RollForward Model
Built ML models to identify 0-bucket defaulters
Logistic Regression model achieved 57% default capture in top 30% population
Boosted collection efficiency by 1.5%
📌 Policy Revamp – Open Market
Developed strategies reducing credit cost by 60% while boosting approval by 20%
Engineered 300+ features using internal & bureau signals
📌 Portfolio Analytics
Designed Risk-Based IRR framework to optimize portfolio ROI (Target ROA: 2.5%)
Executed champion–challenger tests and cross-sell triggers
📌 Bureau & Alternate Data Integration
Worked with CRIF, CIBIL, Experian, Perfios, Datasutram & PayU
Embedded data into scorecards and policy frameworks
📌 Team Leadership
Led 2-member team for analytics, execution, and stakeholder alignment
Received L&T Star Award 2025 and accolades for Collection Workshop & PL Cyclops Framework