Open To Work
Saba Falak Kazi
Gurgaon
Summary
Senior Credit and Digital Lending Professional with over 9 years of experience in Credit Cards, BNPL, Personal Loans, and Business Loans. Specializes in product-policy design, acquisition risk strategy, and portfolio analytics. Delivers growth and profitability while enhancing asset quality through collaboration with stakeholders and optimizing processes in unsecured lending.
Overview
11
11
years of professional experience
Work History
AVP1- Policy & Portfolio
Indusind Bank
Gurgaon
08.2024 - Current
- Lead credit policy design and portfolio governance for unsecured business lending products aligned with regulatory and internal risk appetite frameworks.
- Spearheaded revamp of Business Loan CAM, reducing TAT and improving credit decision quality.
- Monitored portfolio performance metrics including GNPA, Gross Flow, Net Flow, Early Delinquencies, and Quick Mortality to ensure asset quality stability.
- Partnered with IT and business teams to enhance LOS, update system rules, and automate digital workflows.
- Designed and updated SOPs, strengthening operational controls and audit readiness.
- Presented monthly portfolio insights to senior leadership, facilitating data-driven strategic decisions.
Senior Credit Policy Manager
RBL Bank
Gurgaon
08.2023 - 03.2024
- Designed and implemented acquisition credit policies for credit cards and personal loans to align with digital expansion strategy, enhancing customer onboarding experience.
- Managed policy automation through BRE implementation, reducing manual underwriting intervention and improving consistency in decisioning.
- Partnered with Product, Digital and Business teams to enhance STP journeys and optimize approval funnels.
- Developed early warning frameworks and portfolio monitoring dashboards, enabling proactive risk management and timely decision-making.
- Conducted UAT and production validation for digital underwriting flows.
- Supported partner-led growth by integrating with Paisabazaar, BankBazaar, MoneyTap, and other fintech aggregators, expanding market reach and customer access.
Senior Credit Risk Manager
ROINET SoluDons
Gurgaon
09.2022 - 08.2023
- Managed portfolio quality and implemented risk strategies to balance growth and delinquency.
- Built underwriting frameworks and credit filters for digital MSME lending products.
- Coordinated with technology teams to enhance systems and automate credit workflows, streamlining operations and reducing manual intervention.
- Designed end-to-end digital journey for Merchant Cash Advance & Term Loan products, enhancing user experience and accessibility.
Senior Credit Risk Manager
GalaxyCard (GCT Technologies Private Limited)
Gurgaon
09.2020 - 09.2022
- Formulated underwriting policies incorporating bureau and alternate data, improving risk assessment for BNPL product.
- Integrated external APIs (Karza, Perfios, Experian, Razorpay, Credgenics) to enhance credit decision accuracy and strengthen fraud controls.
- Established structured early warning systems for portfolio monitoring.
- Worked closely with Product, Data Science and IT teams for scorecard refinement and automation.
- Designed digital onboarding journey from lead capture to disbursement, streamlining customer experience and reducing processing time.
Manager-Credit Risk
Ziploan - NBFC
Delhi
08.2018 - 08.2020
- Managed digital underwriting process for business and personal loans up to ₹15 lakhs, ensuring accurate risk assessment.
- Collaborated with co-lending partners IIFL, IDFC, IndusInd, and Incred to enhance loan offerings and streamline application processes.
- Contributed to development and automation of internal scorecards, improving assessment accuracy and efficiency.
- Conducted financial assessment using GST, ITR, Bureau and banking analysis.
Manager - Credit & Risk
Faircent.com
Gurugram
10.2015 - 08.2018
- Led digitization and automation of underwriting processes, improving decision-making speed and accuracy.
- Designed underwriting rule engine and credit policies, enhancing risk assessment for P2P business and personal loans.
- Managed partnerships, facilitating business expansion and increasing disbursement volume.
Education
PGDM - Finance
Kirloskar Institute of Advanced Management Studies
Pune07-2015
B.B.A - Management
United Institute of Management
06-2012
Skills
Retail Unsecured Lending (Cards, PL, BNPL)
Product and Policy Strategy
Credit Line / Digital Lending Journeys
Acquisition Risk & Scorecards
Portfolio Monitoring (GNPA, Flow Rates, Vintage)
Business Rule Engine (BRE) Implementation
Risk-Based Pricing & Limit Strategy
Cross-functional Stakeholder Management
UAT & LOS Integrations
Data Analytics (Advanced Excel, Power BI, Basic SQL)
Regulatory Compliance
Work Preference
Job Search Status
Open to workWork Type
Full TimePart TimeLocation Preference
On-SiteRemoteHybridSalary Range
₹45000/yr - ₹200000/yrTimeline
AVP1- Policy & Portfolio
Indusind Bank
08.2024 - Current
Senior Credit Policy Manager
RBL Bank
08.2023 - 03.2024
Senior Credit Risk Manager
ROINET SoluDons
09.2022 - 08.2023
Senior Credit Risk Manager
GalaxyCard (GCT Technologies Private Limited)
09.2020 - 09.2022
Manager-Credit Risk
Ziploan - NBFC
08.2018 - 08.2020
Manager - Credit & Risk
Faircent.com
10.2015 - 08.2018
PGDM - Finance
Kirloskar Institute of Advanced Management Studies
B.B.A - Management
United Institute of Management