- 15 years of problem-solving in FinTech across geographies - Passionate about building for financial resilience in individuals. - Built multiple credit and risk tech products from 0 to 10 and beyond, delivering efficient frontier on risk while maintaining seamless UX and high engagement. - Delivered robust credit decision and risk management systems at scale for near-prime and sub-prime individual and MSME segments across India, the US, and the UK markets. - Adept in machine learning and predictive analytics, a curious and consistent student of AI. - Extensive experience in leveraging alternate data to enable better credit and fraud risk assessment and management; - Successfully led the implementation of various regulatory guidelines across the UK and Indian markets (FCA guidelines, GDPR in the UK, and Digital Lending guidelines in India). - Proven expertise in building a diverse range of fintech products, including term loans, credit lines, credit cards, and BNPL offerings in the UK, US, and Indian markets.