Shubham Kapoor
Bengaluru
Summary
Fintech strategy and risk expert with over 5 years of experience in lending, credit risk, and quantitative modeling. Demonstrated success in launching scalable lending products, enhancing underwriting policies, and maximizing revenue through experimentation, strategy, analytics, and automation.
Overview
7
7
years of professional experience
Work History
Senior Manager - Risk, Revenue & Business Planning
UNI Cards
11.2021 - Current
- Developed modular, Excel-based unit economics models across multiple products, enabling long-term portfolio projections; directly influenced product design, commercial negotiations with banks/NBFCs, and investor fundraising discussions.
- Conceptualized and launched India's first subscription-based loan product, scaling to 350K+ users within the first year while achieving a 1% monthly Contribution Margin 2 (CM2) from inception.
- Designed and implemented an end-to-end underwriting policy framework incorporating multi-source data acquisition, ML-based risk models, and credit bureau insights to calculate credit lines based on FOIR and current exposure; enabled approval of the same customer volume at 50% lower risk compared to NBFC partners.
- Led policy monitoring and risk management by analysing delinquent cases, defining swap-out segments, and collaborating with collections to optimize bounce case allocation; improved overall collection efficiency by 5% through targeted model-driven allocation strategies.
- Led controlled pricing experiments across product, user segments, resulting in a 2× increase in product adoption and a 1.5× uplift in revenue.
- Built and deployed a data-driven propensity model to predict user conversion likelihood, enabling sales teams to prioritize high-probability prospects and doubling conversion rates.
- Introduced and managed Credit Limit Increase (CLI) experimentation across 277 distinct combinations, driving a 17% increase in credit limits and a 6% uplift in card spends.
- Designed and optimized the Customer Value Proposition (CVP) for the credit card portfolio, reducing reward costs from 0.8% to 0.5% while maintaining user engagement.
Analyst - Credit Forecasting
J.P Morgan Chase
01.2019 - 11.2021
- Redesigned and simplified legacy model frameworks to align with current business needs and evolving portfolio characteristics, enhancing model usability and decision-making accuracy.
- Supported regulatory stress testing (CCAR) and performed sensitivity analyses to evaluate mortgage servicing portfolio resilience under potential macroeconomic downturns.
- Monitored forecast performance against budget and conducted variance analysis; incorporated macroeconomic forecasts from the Federal Reserve to evaluate potential portfolio impact.
- Transformed complex credit and macroeconomic data into integrated, decision-ready insights for credit risk analysis and reporting.
- Automated Excel-based qualitative risk models and manual workflows using R and SAS, improving efficiency and reducing operational risk.
Fixed income Quant Research Intern
State Street Global Advisors
07.2018 - 12.2018
- Responsible for end-to-end Data Quality, Integrity, and Correctness Verification.
- Implementation of methods which lead to improvement of the existing database.
- Built Data retrieval and loader functions on R for quick analyses and exploration by the team.
- Responsible for the monthly index Re-balancing of United States – Investment Grade fund.
- Reduced Costs to company by deriving the required diversified index from the available Global Index.
Education
CFA Level 2 -
CFA Institute
01.2021
B.E - Electronics And Instrumentation
BITS Pilani, K K Birla Goa Campus
06-2019
MSc - Economics
BITS Pilani, K K Birla Goa Campus
06-2019
Skills
- Microsoft Excel
- SQL
- SAS
- Python
- SPSS
- JIRA
Timeline
Senior Manager - Risk, Revenue & Business Planning
UNI Cards
11.2021 - Current
Analyst - Credit Forecasting
J.P Morgan Chase
01.2019 - 11.2021
Fixed income Quant Research Intern
State Street Global Advisors
07.2018 - 12.2018
CFA Level 2 -
CFA Institute
B.E - Electronics And Instrumentation
BITS Pilani, K K Birla Goa Campus
MSc - Economics
BITS Pilani, K K Birla Goa Campus
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