Head - Lending Business/Product Strategy & Analytics - NBFC Automotive Business

About:

- Led a high-performance team, delivering business with GNPA consistently below acceptable levels backed by strong execution and credit governance.

- Designed and deployed a Credit Risk Scoring (CRS) model, enabling sharper underwriting and driving bounce rates

- Reduced TAT to under 8 hours in over 60%+ cases via automation of car valuation, credit, FI, and approval workflows.

- Also leading Product Strategy & Analytics to align credit, distribution, and data-unlocking scale, efficiency, and portfolio quality.

- Led analytics across Auction and Retail verticals, and owned Pricing & Assortment for the Retail business.

- Lead member analytics team across verticals-automating workflows, building funnel diagnostics, and enabling CXO-level decisioning.

- Developed dashboards, pricing models, and real-time alerts to improve visibility and drive faster execution.

- Boost inventory churn ,improved Buy-Sell margins, and reduced manpower dependency by 50% through automation and algorithmic procurement.

- Designed pricing models using vehicle ageing, lead flow, and MMYV patterns-driving liquidation efficiency and enhancing gross margins.