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.
