Saurabh Mishra — Operations Associate
Credit Risk & Underwriting leader with 10+ years of experience across Payments, FinTech, and Automotive, specializing in building scalable credit approval frameworks, managing portfolio risk, and driving sustainable growth within defined risk appetite. A strong believer in continuous learning and collaboration, I enjoy working with cross-functional teams to turn insights into action and build solutions that evolve with changing business needs. I translate complex data into actionable underwriting and portfolio strategies that create measurable business impact. I bring a hands-on approach with SQL, Tableau, Python, and R, combined with deep experience in leveraging bureau data, alternative data, and scorecards to drive scalable and sustainable outcomes. Open to connecting with professionals and leaders in Credit Risk, Underwriting, Cards, and Lending to exchange ideas and build high-impact risk solutions. Always open to meaningful conversations around risk, analytics, innovation, and growth.
Stackforce AI infers this person is a Fintech expert with a strong focus on credit risk management and data analytics.
Location: Delhi, India
Experience: 10 yrs 7 mos
Skills
- Credit Risk Management
- Credit Underwriting
- Portfolio Risk Management
- Business Analytics
- Stakeholder Management
- Data Visualization
- Growth Strategies
- Project Management
- Data Analysis
Career Highlights
- 10+ years in Credit Risk and Underwriting leadership.
- Expert in building scalable credit approval frameworks.
- Proven track record of driving sustainable growth.
Work Experience
Home Credit India
Senior Credit Risk Manager - Underwriting Cash Loans (2 yrs 11 mos)
CARS24 Australia
Senior Manager 3 - Business Insights & Strategy (7 mos)
CARS24
Senior Manager 2 - Business Insights and Strategy (7 mos)
JioSaavn
Senior Manager - Growth Analytics (8 mos)
Revv: Self Drive Cars
Project Manager (2 yrs 7 mos)
Paytm
Deputy Manager (3 mos)
Assistant Manager (2 yrs)
Business Analyst (1 yr)
DnG consultants
Business Analysis and Market Research of Cloud Telephony Services (1 mo)
CONSUMERS INDIA
Internship: Policy recommendations: Ministry of Tourism (India) (0 mo)
Education
Bachelor of Technology (B.Tech.) at Delhi College of Engineering
Postgraduate Degree at Great Learning
PCM with Computer Science at Indraprastha International School
10th CBSE Board at Kennedy Public School