Oct 2023 – Present · 2 yrs 8 mos · Gurugram, Haryana, India

• Lead risk analysis and fraud prevention strategies, focusing on growth of the short-term credit portfolio and ensuring net yield targets above 7% for stakeholders, including Comviva, banking partners, and telecoms.
• Implemented risk scoring, churn scoring models and customer segmentation strategies to optimize portfolio performance; integrated the models along with wallet, bureau and loan behavior data to create new segments employee, merchant, and high-value customer segments resulting in a 15% month-over-month increase in disbursals.
• Spearheaded the credit product's launch, from pilot to full market rollout, including go-to-market strategy and collection strategies, driving a portfolio growth from $20,000 to $1 million in monthly disbursals while maintaining at least 92% repayment rates.
• Conducted continuous monitoring of portfolio yield, rejection rates, and operational risks to maintain compliance and profitability.
• Conducted base refreshes, credit limit optimizations at regular intervals and created segmented marketing campaigns to expand customer base and boost disbursals.
• Engaged in commercial negotiations to determine optimal pricing for bureau services, balancing cost-efficiency with data utility.
• Collaborated with cross-functional teams like product, data science, data engineering, tech and business to align risk management frameworks with compliance guidelines.