Summary
Overview
Work History
Education
Skills
Timeline
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Mayank Sahni

Mayank Sahni

Risk Manager
Bangalore

Summary

A Competent Individual Leading Change in Enterprise Risk Management (ERM) for almost a decade. Driving Risk Averse Strategies by encompassing Credit Risk, Regulatory Risk and Operational Risk. Defining Key Risk Governance Framework and Implementing strategies. Ensuring Compliance Risk by Defining Policy as per the Regulators. Representation in Fintech Convergence council (FCC), Payment Council of India (PCI) and Self Regulatory Organizations(SRO).

Exploring New Technology, Data vendors for Risk and Product Enrichment.

Domain Expertise in Fraud identification and implementation of Industry leading Mitigation Rules. Product enhancement from Risk Perspective. Keeping Risk Rate, Fraud Rate, NPA under benchmarks with various mitigation techniques.

Product exposure Credit line, PL, BL, BNPL, HCF, LACR, Micro Loans and UPI.

Rapid Response to Change in Business dynamics and implementing necessary changes. Ensuring Key Reporting for higher management.

Creating series of data stories dashboards for monitoring. Possess excellent interpersonal, communication and organizational skills.

Practical with joining the dots in Investigation that leads to the Final positive outcome.

Always Vigilant in the Job and the Organization because the base of an organized fraud begins at the Portfolio i.e. Organizational levels.

Overview

9
9
years of professional experience
7
7
years of post-secondary education
1
1
Language

Work History

Risk Manager

FincFriends Pvt Ltd
11.2022 - Current
  • Representing at Fintech Convergence council (FCC) and Payment council of india (PCI).
  • Product development from Risk perspective
  • Setting up Risk function(Collection, Anti Fraud, Analytics and portfolio Management)
  • Catering to RBI audits and Regulator Requirements
  • Factoring various Risk strategies for organizational governance.
  • Encouraged stakeholders to approach assessments analytically and offer unique insights to bring new understanding to risk management programs.
  • Defining Pilot launch Strategy.
  • Instituted regular safety inspections and hazards management strategies to keep operations compliant.
  • Employed strong program management skills to successfully define and manage ongoing initiatives designed to control organizational risks.

Senior Portfolio Risk Manager

Payme India
09.2022 - 10.2022
  • Introducing Credit Risk vertical with functions like Credit analytics , Policy and data partnerships, Anti- Fraud and Under writing.
  • Established Automation of Credit Risk Engine.
  • Drastically reducing NPA and Bad Debts by 53%.
  • Introduced Geo Hash Based system barreirs.
  • Defining Credit Risk Policies for internal and eternal use.
  • Developing workshops and learning sessions.

Product Operations Manager

FinBox
04.2022 - 08.2022
  • Created and implemented action plan to introduce Fraud Flag.
  • Developed key Concentration & individual triggers on meta data by data drilling and Mining.
  • Setting up Fraud Monitoring and Benchmark alerts for any skeptical behaviors.
  • Developed holistic Fraud mitigation from user Origination to end of journey.
  • Studied latest trends with industry leading fraud mitigation solutions & API Integration.
  • Collaborated with cross-functional teams to help improve operational loopholes(Regular extraction) & Pre Disbursal Checklist.
  • Maintaining fraud below 2% with help of Anti- Fraud mitigation Mechanism.
  • Documented SOP's and Case studies for client references to improve product supportability.
  • Keeping up with RBI Guidelines with regular team sessions.

Portfolio Manager

Indusind Bank
04.2020 - 03.2022
  • Managing three products loan against credit receivables(LACR), healthcare finance (HCF) and business loans(BL).
  • Developing key strategic reporting based on delinquency
  • Managing early mortality for pan India based on several data points
  • Performing sanity checks on Credit policy of product with credit underwriters and credit managers
  • Incorporating jocata - technology partner for automation.
  • Reviewing product policy based on regular updates as per RBI.

Assistant Manager

RISK I Mumbai
10.2019 - 03.2020
  • Setting Fraud mitigation based on frequency and velocity of transactions for UPI products like Oppo Pay & Realme Paisa.
  • Defining Capping module for transaction monitoring
  • Analysing operational risk and how to mitigate potential frauds
  • Velocity checks Analysis.( to detect Fraud at an Early stage)
  • Start to end Fraud case investigation and preparation

SENIOR RISK ANALYST

RISK |HOME CREDIT, GURUGRAM
08.2015 - 10.2019
  • Driving Risk Analysis for Acquisition Cash Loan (ACL), MCL & EMI card
  • Technology introduced from RISK point of view. (THREAT MATRIX, EMAILAGE, PAYU,YODLEE)
  • Creation of trigger matrix, Trigger factor analysis and Decision matrix (Recently created EWS Early Warning System)
  • Regular Monitoring of portfolio and working with UW team to reduce any strategic loop hole and mitigate risks.
  • Working cross functioned teams to communicate fraud trends and share best practices, ideas.

Education

Advanced Emerging Leadership Program - Emerging Leadership Program

Indian School of Business
Hyderabad
11.2023 - Current

Specialist in Fintech - Advanced Program in Fintech And Blockchain

Indian Institute of Management
Calcultta
03.2023 - 10.2024

MBA - Masters of Business Administration (Finance + Ops)

Bhartiya Vidya Peeth
Pune
03.2021 - 03.2023

Bachelor of Science - Computer Science

University of Delhi
Delhi
07.2012 - 07.2015

Skills

    SQL

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Timeline

Advanced Emerging Leadership Program - Emerging Leadership Program

Indian School of Business
11.2023 - Current

Specialist in Fintech - Advanced Program in Fintech And Blockchain

Indian Institute of Management
03.2023 - 10.2024

Risk Manager

FincFriends Pvt Ltd
11.2022 - Current

Senior Portfolio Risk Manager

Payme India
09.2022 - 10.2022

Product Operations Manager

FinBox
04.2022 - 08.2022

MBA - Masters of Business Administration (Finance + Ops)

Bhartiya Vidya Peeth
03.2021 - 03.2023

Portfolio Manager

Indusind Bank
04.2020 - 03.2022

Assistant Manager

RISK I Mumbai
10.2019 - 03.2020

SENIOR RISK ANALYST

RISK |HOME CREDIT, GURUGRAM
08.2015 - 10.2019

Bachelor of Science - Computer Science

University of Delhi
07.2012 - 07.2015
Mayank SahniRisk Manager