Mandar Auti

Results-driven Risk Analytics leader with 7+ years across fintech, BNPL, and financial services, specialising in credit risk, fraud strategy, and AI-powered decisioning. Proven record of building agentic platforms and data-driven frameworks that compress underwriting timelines, grow loan originations, and deliver measurable P&L impact. Skilled at translating complex risk problems into scalable automation, partnering with risk, sales, legal, and compliance stakeholders across geographies.

IIT Kharagpur alumnus with deep expertise in Python, SQL, PySpark, Camunda, and LLM-powered workflows.

Associate Director, Risk Analytics at Efficient Capital Labs (ECL) (2024-10 – Present)

• Architected AURA, an agentic risk platform automating banking and financial statement spreading and credit analysis, cutting end-to-end underwriting cycle time from 7 days to 2 days and eliminating approximately $120K in annual third-party consulting spend.
• Designed an automated Renewal Policy Engine that pulls live banking and financial data, runs soft underwriting on the existing customer base, and triggers personalised email nudges for eligible borrowers, now contributing to 75% of monthly loan originations.
• Built a real-time Case Management Tracker providing full pipeline visibility to risk and sales stakeholders, saving 1 hour per day for 15 employees and eliminating cross-team status calls.
• Served as primary owner of post-approval contract generation, collaborating with legal counsel across multiple geographies to draft corporate guarantees that supported ECL in 3 collections court proceedings.
• Leveraged CLAY with ML/AI enrichment to scale top-of-funnel lead generation by 4x, adding approximately 10% in monthly origination uplift; deployed a cross-border FX product with Skydo delivering 50% FX cost savings and ~$2M in monthly transaction volume.
• Built a Collections Co-Pilot that auto-flags daily delinquencies, aggregates signals from emails and call recordings, and recommends optimal recovery actions, substantially reducing manual collections effort.

Senior Manager, Credit and Fraud Risk Analytics at Zip.co (formerly Quadpay) (2020-07 – 2024-10)

• Architected a no-code Camunda decisioning platform that generated $14M in annual transaction value, cut application assessment time by 50%, and reduced credit strategy rollout time by 95%.
• Led the Experian to TransUnion bureau migration, encompassing data validation, strategy redesign, and performance benchmarking, resulting in a +1% improvement in approval rates and a +10% uplift in average credit limits with zero incremental loss-rate impact.
• Developed a Gamified Line Increase programme using LTV segmentation and propensity scoring to drive customer engagement; built a Returning-Customer Default Model enabling proactive line decreases that brought the portfolio back within risk appetite during a period of rising NPA.
• Deployed fraud detection rules and 3D Secure authentication on high-risk cohorts, reducing dispute rates by 6x (from 30 bps to 5 bps); automated KYC, fraud detection, and account unblock workflows via Veriff, compressing manual review time from 3 days to under 1 minute and cutting disputes by 50%.
• Built automated Power BI reporting infrastructure delivering real-time visibility into approvals, loss rates, and credit limits, eliminating a 2-day manual reporting cycle.

Business Analyst, Risk Analytics at American Express (2019-05 – 2020-06)

• Refreshed the Italy underwriting model with updated bureau and behavioural signals, delivering $7.1M in annual financial impact.
• Designed and deployed Covid-era MIS reporting infrastructure that became leadership's primary dashboard for real-time portfolio surveillance and customer monitoring.

Senior Associate, Credit Policy at DBS Bank India

Management Trainee, Operations and Analytics at DHL Supply Chain

Integrated B.Tech + M.Tech in Industrial and Systems Engineering – Indian Institute of Technology, Kharagpur (IIT KGP) (2018)