Achal K

With over 13 years of experience in Credit and Fraud Risk across Fintechs and Financial Institutions, I bring deep expertise in managing risk for both retail and SMB lending, as well as issuing and acquiring payments. My career spans diverse markets, including India and North America, where I’ve built and scaled risk strategies that balance growth with portfolio health. I specialize in developing end-to-end credit policy, fraud detection frameworks, and operational controls tailored to dynamic, high-growth environments.

Risk management leader with 13+ years of experience in Fintechs and Financial Institutions, specializing in Credit and Fraud Risk across retail and SMB lending, card issuing, and acquiring payments. Proven success in both Indian and North American markets, driving risk strategy that balances growth and portfolio resilience.

Strong foundation in data analytics, with hands-on expertise in SQL, Python, and BI tools to develop data-driven underwriting models, fraud detection systems, and performance dashboards. Experienced in building and leading high-performing cross-functional risk teams, fostering a culture of ownership, agility, and continuous improvement.

I have an MBA in Finance from University of Manitoba, Canada and Bachelors in Management from Pune University