Harshita Bhati Email & Phone Number

a) Experienced Credit Risk Specialist with over 4 years of expertise in credit card and personal loan underwriting.b) Proven ability to identify and mitigate risks, ensuring sustainable financial growth.c) Successfully led the credit risk team at OneCard, developing comprehensive risk models that reduce bad debts and optimize credit approval processes.d) Proficient in conducting thorough risk assessments and credit analysis to evaluate potential customers, formulating effective risk management strategies.e) Proven Track record of effectively monitoring portfolio performance and implementing risk mitigation strategies.f) Sound knowledge of relevant regulatory frameworks, ensuring compliance with industry standards and best practices.g) Skilled in inspiring and guiding cross-functional teams, fostering a collaborative work environment to achieve organizational goals.h) Strong background in statistical modeling for address validation process.i) Proficient in leveraging third-party vendor data to enhance underwriting checks and ensure compliance.j) Analytical expertise in analyzing Customer Acquisition Cost (CAC), campaigns, and customer events on the app to drive growth and optimize marketing strategies.