Divye Kapoor

CEO

Bengaluru, Karnataka, India13 yrs 3 mos experience

Highly StableAI Enabled

Key Highlights

Expert in building profitable lending strategies.
Proven track record in risk management and analytics.
Strong leadership in fintech and data science.

Stackforce AI infers this person is a Fintech expert with a strong focus on risk management and data analytics.

Contact

Skills

Core Skills

Risk ManagementData ScienceAnalyticsCredit ManagementData ArchitectureDatabase Management

Other Skills

Financial ServicesRisk ModelingRisk AnalyticsSQLHiveUnixModel DesignPortfolio ManagementStatistical ModelingCredit Portfolio ManagementCredit UnderwritingLendingPerformance AppraisalStatisticsQuantitative Analytics

About

I make sure we make money when we lend! Head of Risk Strategy, Analytics and Data Science Products Managed - BNPL, STPL, Business Loans. * BNPL and PL : Building and scaling it ground up for Meesho, Managed it for OLA in past. * Business loans ( Credit Line ) : Built and scaled 0 to 1 and then 1-100 for Meesho, maintaining a steady increase in bottom-line now. Professional Synopsis: 14+ years of experience in Finance, Risk Management, Analytics, AI/ML, Relational Databases, Data Warehouse and Fintech solution, implementing and creating Scorecards, policy and analytical solutions to lend profitably. Technical Profile: Skilled in Machine Learning, SQL, Python, PySpark, Unix, Linux, Shell scripting, data modelling, Database ( Oracle, MySQL, PostgreSQL ), QlikView and Data Analytics. Feel free to discuss anything Fintech, Data, Lending, Analytics or just a casual catch-up. If you want me to refer you for a position or introduce you to a professional contact, please DM me your skill set along with your resume and I'll be happy to help.

Experience

13 yrs 3 mos

Total Experience

3 yrs 4 mos

Average Tenure

3 yrs 1 mo

Current Experience

Meesho

Head of Data Science | Risk | Collections - Financial Services

May 2023 – Present · 3 yrs · Bengaluru · On-site

Building Financial Services for next 500Mn deserving but underserved consumers of Bharat -SUSTAINABLY!
Founding member FS in Meesho,
Building consumer lending business for the next 500mn Indians offering BNPL and PL (personal loans) with NIM positive cohorts from day 1.
Owning all things lending- Risk, Analytics & Data science and collections for Financia Services.
Built multiple SOTA models for Risk, CAC, propensity to model.
conceptualized and built innovative Customer Lifecycle management, leveraging e-commerce data, Platform behaviour and interaction data, along with the usual Bureau, banking and SMS data, keeping portfolio losses at sub 0.5% for SME and sub 2% for Consumer lending, yielding positive Risk adjusted returns from the first cohort itself.
Products Managed -
Business loan, Line of Credit and Early settlement for MSME
BNPL and Personal Loan for retail consumers

Financial ServicesRisk ModelingRisk ManagementData Science

Ola

Head of Risk and Decision Science

Sep 2021 – May 2023 · 1 yr 8 mos · Bengaluru, Karnataka, India · On-site

Head of Strategy, Risk and Analytics for Digital Lending arm of Ola, all products - Post Paid (BNPL), Personal Loan, Credit Card.
Managing the bottom line and owning complete portfolio management.
Additional responsibilities - Insurance Analytics and propensity modelling for sales optimisation.

SQLHiveRisk ManagementAnalytics