At Bajaj Finserv, our team has refined credit risk policies and strategies, ensuring robust risk management for our Two Wheeler Business. Leadership in this complex area demands a deep understanding of technological solutions and a knack for innovating underwriting processes. With my guidance, we've implemented a cutting-edge credit rule engine and maximized cross-sell opportunities, enabling significant growth and risk mitigation.Our mission is to continually elevate risk capabilities, and my role as National Lead has centered on fostering a data-driven culture. By leveraging SQL and Databricks, we analyze customer leverage and optimize risk metrics, which has resulted in improved approval rates and exposure management. The collaborative effort in system architecture and policy drafting reflects our commitment to safeguarding the company's interests while pursuing aggressive business expansion.