Padmanabha Dash

Credit Risk professional experienced in policy development, underwriting, and portfolio analytics across consumer and MSME lending. Skilled in credit card strategy, risk-based acquisition, and portfolio monitoring (Vintage, TTD, NCC), with a strong focus on driving growth while maintaining asset quality through data-driven decisioning.

Senior Manager – Credit Cards (Risk & Policy) at AU Small Finance Bank (2024-03 – Present)

• Managed credit risk strategy for a 3,000 Cr Credit Card portfolio, aligning growth with defined risk thresholds.
• Designed underwriting and acquisition frameworks using segmentation, employer profiling and data-driven filters.
• Strengthened portfolio quality through policy enhancements and early delinquency controls.
• Optimized acquisition strategy to improve approval rates while maintaining portfolio stability.
• Monitored portfolio using Vintage, TTD, Entry Rates, Flow Rates and Early Warning Indicators.
• Defined segment-wise and geographic risk strategies to manage exposure and concentration risk.
• Evaluated Net Credit Loss (NCL) to drive risk-adjusted decision making.
• Collaborated with Product, Tech and FICO/Salesforce teams to enhance rule engine and decisioning frameworks.
• Contributed to Annual Operating Plan (AOP) through portfolio growth and sourcing projections.

Manager – Credit Risk at Ninjacart (2023-12 – 2024-02)

• Worked on credit risk and process improvement initiatives across underwriting and Credit Ops.
• Supported automation and process optimization to improve operational efficiency and consistency.

Manager – Credit Risk at Razorpay (2021-01 – 2023-10)

• Managed credit risk policies for Credit Cards and Term Loans across lifecycle.
• Built a rule-based decision engine for automated underwriting with Product and Tech teams.
• Developed acquisition scorecards using bureau, banking and PG data.
• Monitored portfolio using TTD and NPA metrics, identifying risks and corrective actions.
• Delivered risk insights and portfolio reviews to senior management.
• Contributed to development of an in-house Loan Origination System (LOS).

Senior Credit Operations Manager at Keypot Software Technologies Pvt Ltd (2019-09 – 2020-12)

• Implemented credit filtering frameworks to enhance portfolio quality.
• Managed end-to-end product lifecycle with cross-functional teams.
• Streamlined processes through technology integrations with external partners.
• Conducted credit policy and underwriting training sessions.

Cluster Manager – Credit Operations at ISFC Pvt Ltd (2017-03 – 2019-08)

• Managed multi-state credit operations across Karnataka, Maharashtra and Tamil Nadu.
• Handled loan appraisal and sanctioning for retail and secured loans up to 20 lakhs.
• Supervised credit and operations teams for loan approvals and disbursements.

MBA in Finance and Financial Management Services – IBS Hydrabad (2015 – 2017)