Apr 2026 – Present · 2 mos · Hybrid

• Manager in Credit Risk Analytics, managing risk analysis and reporting for multiple lending portfolios. Skilled in driving insights on delinquency, early risk, and risk appetite parameters to support policy decisions.

Jul 2024 – Mar 2026 · 1 yr 8 mos · Hybrid

• Risk Framework & Strategy: Designed and implemented a risk-based sourcing framework across multiple customer segments. Utilized sourcing risk and NCL (Net Credit Loss) trend analysis to optimize thresholds, achieving an 8% increase in sourcing and a 1% reduction in risk indicators within six months.
• Data Pipeline Modernization: Spearheaded the migration of legacy SAS/Oracle workflows to PySpark on BDL. Modernized end-to-end data extraction and transformation for two major lending products, reducing execution times from 14 hours to 3 hours.
• Automation & Visualization: Developed automated breach monitoring and portfolio dashboards using PySpark and Power BI. Optimized reporting efficiency by reducing dashboard refresh times from 10 hours to 1 hour, enabling real-time policy actions.
• Reject Inferencing & Policy Expansion: Conducted off-us performance analysis on rejected applicants to identify credit potential. Recommended data-driven policy revisions that led to a 5% increase in disbursements (~₹12.5 Cr) without compromising portfolio quality.
• Stakeholder Management: Collaborated with business and risk teams to align policy-driven decision-making with growth targets, ensuring data quality and metric consistency across all migrated platforms.