Summary
Overview
Work History
Education
Skills
Projects
Disclaimer
References
Timeline
Generic

Kaveri Gupta

Bangalore

Summary

Results-oriented Credit Risk Professional with over 10 years of progressive experience in credit underwriting, risk assessment, and policy development. Proven ability to lead cross-functional teams, drive data-informed decisions, and develop strategies that mitigate risk and boost portfolio performance. Adept in global market analysis, financial modeling, and regulatory compliance.

Overview

12
12
years of professional experience

Work History

Associate Manager – Credit Underwriting

PayPal Inc.
Bangalore
04.2023 - Current
  • Led a high-performing team underwriting credit for large enterprises across North America, Europe, and Asia.
  • Collaborated with Product, Data Science, and Compliance teams to refine credit policies and improve risk frameworks.
  • Delivered insights to senior leadership through performance dashboards and risk-adjusted return reports.
  • Implemented credit controls that reduced delinquency risk by proactively identifying high-risk accounts.
  • Streamlined underwriting workflows, cutting approval time by 25% without compromising credit standards.
  • Aligned credit operations with Sales and Customer Service to meet business objectives efficiently.

Senior Underwriter – Credit Underwriting

PayPal Inc.
Bangalore
02.2021 - 03.2023
  • Managed end-to-end underwriting for global enterprise clients, ensuring alignment with risk appetite and compliance.
  • Performed in-depth financial analysis of multinational structures to evaluate creditworthiness and sustainability.
  • Monitored credit portfolio performance, identifying early warning signs and recommending mitigation strategies.
  • Presented underwriting recommendations to senior decision-makers in credit committee reviews.

Risk Analyst – Commercial Monitoring

PayPal Inc.
Bangalore
04.2019 - 02.2021
  • Monitored merchant transactional and behavioral data to detect early signs of credit, fraud, and operational risk.
  • Conducted high-risk merchant account reviews, analyzing cash flow, chargebacks, and industry dynamics.
  • Collaborated with cross-functional teams to manage risks while maintaining customer satisfaction.
  • Assisted fraud and compliance investigations through thorough risk assessments.

Analyst

Neo Group, Inc.
01.2017 - 03.2019
  • Performed deep-dive analysis of company fundamentals to assess business viability and investment potential.
  • Delivered actionable insights from financial statements in accordance with GAAP and IFRS.
  • Produced research reports with risk evaluations, market forecasts, and strategic guidance.
  • Prepared client-ready presentations with clear, data-driven recommendations.

Analyst (Senior Executive)

WIPRO LTD.
05.2013 - 12.2016
  • Extracted and analyzed financial data from Bloomberg and Morningstar platforms.
  • Performed fundamental analysis of mutual funds using regulatory filings and NAV calculations.
  • Evaluated investment portfolios for top AMCs including Fidelity, JP Morgan, and Goldman Sachs.
  • Maintained mutual fund holdings database with regular updates from Bloomberg Terminal.

Education

PGDM - Research and Business Analytics, Finance

EMPI Business School
New Delhi
01.2013

B.Com -

Panjab University
Chandigarh
01.2011

12th - Commerce

Central Board of Secondary Education
01.2008

10th -

Punjab School Education Board
01.2006

Skills

  • Credit Risk Analysis & Underwriting
  • Financial Statement & Ratio Analysis
  • Risk Mitigation & Policy Design
  • Regulatory Compliance
  • Data Interpretation & Performance Reporting
  • Strategic Decision-Making
  • Team Leadership & Collaboration
  • Negotiation & Stakeholder Management
  • Project Management

Projects

Customer Outreach System Redesign – Credit Underwriting, PayPal

  • Led end-to-end redesign of outreach templates to enhance review communication clarity.
  • Resolved system vulnerabilities, boosting data security and user experience.
  • Partnered with cross-functional teams to implement scalable and compliant outreach solutions.
  • Improved communication workflows and introduced data-driven content for outreach emails.

Disclaimer

I hereby declare that all the information mentioned above is true to best of my knowledge and I am ready to provide relevant documents as proof when asked.

References

References available upon request.

Timeline

Associate Manager – Credit Underwriting

PayPal Inc.
04.2023 - Current

Senior Underwriter – Credit Underwriting

PayPal Inc.
02.2021 - 03.2023

Risk Analyst – Commercial Monitoring

PayPal Inc.
04.2019 - 02.2021

Analyst

Neo Group, Inc.
01.2017 - 03.2019

Analyst (Senior Executive)

WIPRO LTD.
05.2013 - 12.2016

PGDM - Research and Business Analytics, Finance

EMPI Business School

B.Com -

Panjab University

12th - Commerce

Central Board of Secondary Education

10th -

Punjab School Education Board

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Kaveri Gupta