Harsh Vardhan Gupta Verified

Credit Risk Manager

Navi Technologies


Experienced, result oriented professional with demonstrated history of working in fast paced bias for action culture. Strong orientation towards re-imagining customer journey through integration of technology, analytics, digital innovation and new product creation. #Risk

I can I can




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Skills & expertise


Risk Management, Portfolio Management, Product Innovation, SQL, Python


Credit Risk Manager
Navi Technologies (May 2021 - present)

Created a completely Digital Zero-Document Underwriting process for customers, helping them to fulfil their financial needs in just few minutes.
Created, Managed and Improved Underwriting algorithms to scale Navi's AUM by 30X in just 1 year, and reducing credit loses by 50% to achieve a stable and profitable portfolio.
Increased Approval Rates by 2.5X at lower credit losses to achieve growth targets.
Increased Average Ticket size by 4X giving high tenure loans to improve conversion and achieve higher profitability.
Created Underwriting and KYC policy rules to reduce fraud rates to under 0.5%.
Worked with Product team to continuously innovate and evolve product features to underwrite customers better, increase offer acceptance by 1.5X and improve user experience.
Worked with Growth team on Pre-Approved Loans campaign targeting ~90L Indians, in order to get high quality customers in our funnel.