Rajendra Sahu
Vertical Risk Head
Chennai,TN
Summary
Dynamic and results-driven Risk Management Leader with over 11 years of experience in credit risk, policy formulation, and portfolio monitoring. Proven expertise in leveraging data analytics and alternative data to optimize risk-return trade-offs and drive innovation in consumer & MSME finance. Adept at leading cross-functional teams, developing risk mitigation strategies, and delivering actionable insights to senior management. Strong track record of enhancing portfolio performance, reducing delinquency, and implementing next-generation lending products.
Overview
11
11
years of professional experience
Work History
DVP- Risk Monitoring
NorthernArc Capital Limited
09.2022 - Current
- Develop and implement risk management frameworks for co-lending and partnership business models, ensuring alignment with organizational goals and regulatory requirements.
- Design and enforce credit policies tailored to co-lending partnerships, ensuring risk mitigation while supporting business growth.
- Conduct regular portfolio reviews to identify emerging risks and trends in the co-lending portfolio.
- Implement early warning systems to detect and mitigate potential risks in overall book.
- Conduct due diligence on potential partners to assess their risk management capabilities and compliance standards.
- Collaborated with the model validation team to assess and validate scoring models, PD models, and other credit risk frameworks.
- Prepared and presented risk metrics and portfolio performance reports to senior management and regulatory authorities.
- Ensure compliance with regulatory guidelines (RBI, SEBI, etc.) and internal risk policies for co-lending and partnership business.
- Lead and mentor a team of risk professionals, fostering a culture of collaboration and continuous improvement.
- Work closely with business teams, product teams, and technology teams to ensure risk considerations are integrated into product design and business strategies.
- Act as a risk advisor to senior management and partners, providing insights and recommendations to support strategic decision-making.
Senior Manager-Credit Policy
Stashfin
06.2021 - 09.2022
- Led the Credit Risk & Policy team, overseeing the development and deployment of decision models and underwriting frameworks using alternative data.
- Designed and implemented next-generation lending products, driving innovation and disruption in the unsecured lending space.
- Partnered with tech and analytics teams to enhance scorecards and decision systems, improving speed, accuracy, and fairness in credit decisions.
- Provided strategic inputs to the AI team to develop machine learning-based products for credit risk minimization and fraud management.
Manager-Credit Policy
Early Salary
02.2016 - 05.2021
- Managed underwriting quality for unsecured personal loans and card products, ensuring compliance with risk and credit policies.
- Developed and implemented credit risk strategies, leveraging data points to improve lending policies, credit scoring, and risk mapping.
- Collaborated with IT, BI, and product teams to recommend changes based on market requirements and product performance.
- Maintained a low-delinquency portfolio by implementing credit mitigation strategies, significantly reducing loss risks
Credit Manager
ICICI Bank
05.2014 - 02.2016
- Conducted financial statement analysis, cash flow evaluation, and risk assessment for corporate borrowers, recommending high-value cases to senior management.
- Managed credit appraisal and underwriting for mortgage loans, ensuring compliance with RBI norms, valuation standards, and legal requirements.
Education
Financial Modelling-Equity Research - Finance
IMS Proschool
Pune, India06-2018
PGDM - Finance
MIMTS
Bhubaneswar,Odisha04-2014
Bechelor of Commerce - Finance
Fakir Mohan University
Balasore, Odisha04-2012
Skills
Risk Management & Mitigation
Portfolio Monitoring & Stress Testing
Data Analytics
Fraud Management & Loss Forecasting
Leadership & Team Development
Strategic Planning & Decision-Making
Timeline
DVP- Risk Monitoring
NorthernArc Capital Limited
09.2022 - Current
Senior Manager-Credit Policy
Stashfin
06.2021 - 09.2022
Manager-Credit Policy
Early Salary
02.2016 - 05.2021
Credit Manager
ICICI Bank
05.2014 - 02.2016
Financial Modelling-Equity Research - Finance
IMS Proschool
PGDM - Finance
MIMTS
Bechelor of Commerce - Finance
Fakir Mohan University