Experience

• 

  GrayQuest

  • Bangalore Urban, Karnataka, India

  • Head Of Risk & Collections

    • Feb 2022 - Present
    • Bangalore Urban, Karnataka, India

    - Building Industry Best Platform to underwrite Education / Fee Financing Products catering to varied school / college / institute or location

• 

  Navi

  • India
  • Financial Services
  • 700 & Above Employee

  • Head of Risk- Personal Loan

    • Sep 2021 - Jan 2022

    - Foundation of Automated AI driven Risk framework in India at scale- Built industry best Consumer Risk, Credit Assessment and Fraud Decision Engines

  • Senior Manager Risk

    • Aug 2021 - Aug 2021

  • Manager Decision Analytics

    • Nov 2020 - Jul 2021

    • Founding member of Risk / Credit Team• Responsible for Unsecured Consumer Lending Credit Risk Strategy• Risk Analytics, Underwriting Models & ECL• Product improvements & Portfolio Analytics• Tools:- Postgres SQL, AWS- Athena, Python, Databricks

• 

  Lendingkart

  • Associate Director Decision Science

    • Nov 2019 - Oct 2020

    • SME Unsecured Lending Underwriting model & Credit decisioning i.e. Risk Tiering, amount and interest rate strategy• Portfolio segmentation, risk actions, scrub analysis and recommendations• Collection model, strategy, metrics tracking and execution• Post COVID opening up Risk & Collection planning, tracking and actions• New product initiatives and analytics enablement• Tools:- Redshift, MySQL, Python

• 

  Kabbage, Inc

  • Bangalore

  • Manager Decision Analytics

    • Nov 2017 - Oct 2019
    • Bangalore

    Kabbage is Pioneer in Cashflow based automated underwriting for SMBs in US: - Application & Behavioral Scorecard Consumption, Calibration, Validation and Risk strategy - Line & Interest Strategies - Profiling Engine to run positive & negative actions and respective performance tracking - Deep dive, Insights & modelling (Logistic Regression or Tree Based) to identify root cause or opportunities such as activation, loss minimization etc. - Portfolio tracking and Credit Committee/Investor meeting presentations - Tools :- SQL, Python, AWS- Athena, Excel

• 

  eClerx

  • Mumbai Area, India

  • Senior Manager Analytics

    • Jun 2014 - Oct 2017
    • Mumbai Area, India

    - Helped Fortune 500 corporations in their Analytics journey across Marketing, Customer Engagement and Risk Functions- Handled clients from diverse industries such as Hi-Tech, eCommerce, Hospitality, Financial Services- Platforms:- Python and SQL, Excel, QlikView, Tableau etc.

• 

  Defence Research and Development Organisation

  • Defense and Space Manufacturing
  • 700 & Above Employee

  • Scientist-C, Group A (Gazetted)

    • Jul 2012 - Jun 2013

    • Outstanding Promotion from Scientist - B to Scientist - C basis exceptional performanceIT Strategy:• Developed Budget Management System to enable senior management to track real time capital /revenue expenses • Successfully carried out Hardware/Software (VMware/Windows Server) sizing, Market Survey and technical evaluation of Virtualization solutions from OEMs• Set up a High Performance Computing facility for modelling and simulation and successfully reduced system downtime and improved computing performance• Managed information security software development team and implemented DRDO IT security guidelines. Also handled Information Security officer role for DRDO-Pune region• Technologies:- JSP, Hibernate, Oracle

  • Scientist-B, Group A (Gazetted)

    • Jul 2009 - Jun 2012

    Embedded Systems Development:• Done the project feasibility study e.g. financial, manpower, technology development, trainings etc. and prepared the statement of case for the approval• Managed functions pertaining to S/W design, development & testing of complex mission critical systems• Interacted with users (ARMY/AIRFORCE) to understand General Staff Qualitative Requirement(GSQR) and converted it to detailed software requirement specification• Effectively completed vendors’ feasibility study to determine their project execution capabilities and coordinated third party collaboration development for electronics design, fabrication and qualification tests• Technologies: Assembly, C++

• 

  Wipro Limited

  • Bangalore

  • SAP Consultant

    • Dec 2007 - Jun 2009
    • Bangalore

    • Learned functional aspects of supply chain & distribution by hands-on experience on SAP operations of prominent US pharmaceutical company