Rajendra Sahu
Vertical Risk Head
Chennai
Summary
Strategic risk leader with 12+ years’ experience across credit, market, and operational risk domains in fintech and NBFCs. Proven ability to design and test risk frameworks, validate models, and ensure regulatory compliance across large portfolios (₹4500+ Cr). Skilled in quantitative analysis, policy design, and independent review in alignment with RBI, SEBI, and internal governance standards.
Overview
12
12
years of professional experience
Work History
Deputy Vice President-Risk Monitoring
Northern Arc Capital Limited
09.2022 - Current
- Spearhead enterprise-level risk testing and validation for ₹4500+ Cr portfolio across consumer and MSME products.
- Conduct independent model reviews of application and behavioral scorecards, PD/LGD models, and credit decision engines.
- Led control effectiveness testing for retail partnerships and digital co-lending programs, ensuring zero regulatory observations.
- Designed and implemented data validation checks for regulatory returns (RBI/CRILC) improving accuracy by 98%.
- Presented portfolio analytics and risk heatmaps to the Board Risk Committee and RBI auditors.
Sr Manager-Credit Policy & Risk
StashFin
06.2021 - 09.2022
- Directed model validation and credit policy for digital unsecured lending; reduced early delinquency by 15%.
- Partnered with analytics teams to test and calibrate ML-based credit and fraud detection models.
- Enhanced internal governance and policy documentation to align with Basel II/III and RBI compliance.
- Analyzed credit portfolios using advanced analytics tools, providing insights that informed strategic decision-making and risk mitigation.
Manager-Credit Policy & Risk Strategy
Early Salary
02.2016 - 05.2021
- Formulated risk strategy and scorecard testing for unsecured retail loans; improved risk-adjusted ROA by 20%.
- Conducted portfolio reviews and stress tests, identifying key risk segments and triggering timely corrective actions.
- Partnered with IT & data science to automate risk monitoring dashboards.
Credit Manager
ICICI Bank Limited
05.2014 - 02.2016
- Performed detailed credit appraisals, financial modeling, and due diligence for SME and mortgage segments.
- Maintained underwriting accuracy and compliance with RBI risk standards.
Education
MBA - Finance
MIMTS
Bhubaneswar 04.2001 -
Bachelors of Commerce - Finance
Fakir Mohan University
Balasore 04.2001 -
Skills
Risk assessment
Timeline
Deputy Vice President-Risk Monitoring
Northern Arc Capital Limited
09.2022 - Current
Sr Manager-Credit Policy & Risk
StashFin
06.2021 - 09.2022
Manager-Credit Policy & Risk Strategy
Early Salary
02.2016 - 05.2021
Credit Manager
ICICI Bank Limited
05.2014 - 02.2016
MBA - Finance
MIMTS
04.2001 -
Bachelors of Commerce - Finance
Fakir Mohan University
04.2001 -