Shubham Singh
Sr. Credit Risk Manager
Bengaluru,KA
Summary
Results-driven Senior Credit Risk Manager with 4+ years of experience in credit risk strategy, underwriting policy, portfolio management, collections analytics, and business intelligence across consumer lending and NBFC environments. Proven track record of improving portfolio quality, reducing bounce and NPA rates, scaling disbursals, and building analytics-driven risk frameworks for personal loan products. Experienced in policy design, fraud risk mitigation, ECL/NCL/GCL assessment, dashboarding, process automation, and cross-functional stakeholder management across risk, sales, collections, and operations.
Overview
6
6
years of professional experience
Work History
Senior Credit Risk Manager
Axio (Acquired by Amazon)
02.2023 - Current
- Designed and implemented credit policies for the Personal Loans portfolio, helping reduce bounce rate from 12% to 8% while supporting AUM growth from ₹900 Cr to ₹1,600 Cr and reducing overall NPA from 7% to 4.5%.
- Optimized risk policies and analytics-led underwriting, contributing to gross disbursals exceeding ₹3,500 Cr.
- Revamped the Top-up Policy and launched risk strategies for Repeat Loan and Superprime Personal Loan segments while maintaining risk profile below 50% of the first-loan segment.
- Led automation of offset scripts, rebuilt PL dashboards, and streamlined monthly reporting workflows for real-time portfolio monitoring and reduced manual effort.
- Developed a collection address prioritization framework for DPD 30+ customers, enhancing recovery effectiveness.
- Automated offset scripts, rebuilt PL dashboards, and streamlined monthly reporting workflows to enable real-time portfolio monitoring and minimize manual effort.
- Built a collection address prioritization framework for DPD 30+ customers to improve recovery effectiveness.
- Managed manual credit review operations, created SOPs for quality control and underwriting governance, and mentored 2 analytics professionals.
Credit Risk Analyst
ZestMoney
12.2021 - 02.2023
- Performed ECL calculations and NCL/GCL assessments to support provisioning and portfolio risk decisions.
- Performed ECL calculations and NCL/GCL assessments to inform provisioning and enhance portfolio risk management.
- Identified fraud patterns in merchant onboarding cases and developed strategies that strengthened fraud prevention.
- Executed test-and-control experiments across delinquency segments to optimize collections and recovery rates, providing insights for underwriting policy adjustments.
Senior Business Analyst
Kantar
06.2020 - 12.2021
- Evaluated business processes end-to-end and provided data-driven optimization recommendations to enhance operational effectiveness.
- Developed backend data mapping logic to cut update turnaround time by 50%, streamlining overall process efficiency.
- Managed stakeholder expectations through transparent communication and timely status updates, ensuring alignment between project deliverables and business objectives.
- Facilitated requirement gathering workshops, resulting in clear project objectives and deliverables.
- Collaborated with cross-functional teams, ensuring a cohesive approach to business analysis.
Education
Bachelor of Technology - Mechanical Engineering
National Institute of Technology
Patna01-2020
Skills
Credit Risk Strategy
Underwriting Policy
Credit Decisioning
Risk-Based Segmentation
Expected Credit Loss (ECL)
NCL/GCL Assessment
Portfolio Management
Fraud Risk Management
Collections Strategy
Risk Analytics
Business Intelligence
Process Automation
Dashboarding
Python
SQL/MySQL
Tableau
AWS SageMaker
Redshift
Team Leadership
Stakeholder Management
Timeline
Senior Credit Risk Manager
Axio (Acquired by Amazon)
02.2023 - Current
Credit Risk Analyst
ZestMoney
12.2021 - 02.2023
Senior Business Analyst
Kantar
06.2020 - 12.2021
Bachelor of Technology - Mechanical Engineering
National Institute of Technology