• Entrepreneurial, experienced and results-oriented professional with ~12 years of experience in Credit & Fraud risk management, and developing Product Strategies for Secured and Unsecured Consumer Credit products • Extensive experience of leading decision science teams to design risk strategies, provide customer behavior insights while driving sustainable and profitable growth • Experience in building and scaling new teams from scratch • Have experience of building risk framework, pricing and analytical capabilities across Consumer products like Buy Now Pay Later, Secured Lending, Branded & Private-label Cards, Auto & Small Business Lending, with impact to consumer portfolio, global risk policies and risk appetite