Sunil Kumar Email & Phone Number

Building Nucleus VC fund from 0 to 1

Bengaluru, Karanataka, IN

• Led design and implementation of credit risk scorecards for large enterprises & foreign exporters using traditional and alternate data, transforming decision-making by eliminating subjectivity in risk assessments.
• Oversaw evaluation and approval of high-value loan proposals, ensuring meticulous analysis of critical cases and aligning decisions with long-term credit risk strategy.
• Collaborated with cross-functional teams to develop innovative ML-driven risk models and scorecards for traders and retailers, reducing delinquency rates by 90% and underwriting TAT by 50%
• Developed policies to enable business growth, diversify lending portfolio, and mitigate risks, including introduction of tailored loan products for evolving market demands.
• Implemented practice of RCA of delinquent cases to improve underwriting policies and risk models, and quarterly monitoring of all large customers.

Bengaluru, Karnataka, IN

• Led the 0-1 journey of Karbon Cards, developing the product from scratch, securing early customer adoption, and incorporating feedback; worked closely with senior leadership to define objectives and create plans for.
• Oversaw credit risk, compliance, operations, and collections at Karbon Corporate Credit Cards, achieving an outstanding NPA of 0.1% while increasing MoM GTV by 25%.
• Led cross-functional teams in customer support, compliance, data science, underwriting.
• Facilitated comprehensive performance reviews and feedback initiatives, ensuring team members remained aligned with objectives and driving enhanced productivity.
• Devised a robust fraud detection engine, significantly reducing risks associated with credit card transactions and safeguarding the organization against potential financial exposure.

Bangalore, Karnataka, IN

• Conceptualized and executed development of a short-term lending product ( KreditBee ) that garnered 2 million app downloads and reached Rs. 100 crore in monthly loan volume within just three months of its introduction.
• Managed pricing strategies, P&L, and product roadmap, ensuring sustained profitability.

• Founded fintech lending marketplace, LOANMEET, to provide working capital loans to small businesses, realizing 30% month-over-month growth in loan volume and capturing 10% of the target market.
• Secured equity funding from angel investors and raised debt capital from NBFCs.
• Maintained NPA at 4% while increasing month-over-month loan volume by 20% in GTV.

Cincinnati, OH, US

• Managed credit risk for $10 bn. portfolio, leveraging sophisticated modelling techniques.
• Designed stress-testing models, analysing portfolio's resilience across economic scenarios.
• Enhanced the credit risk assessment process by automating multiple key steps.

Milford, Ohio, US

• Conceptualized and introduced 2 innovative software products, driving increased customer satisfaction and expanding product and consulting revenue streams.
• Enhanced four existing software products to better meet evolving customer needs.
• Led a team of 12 developers across onshore (USA) and offshore (India) locations.
• Developed several enterprise software solutions for prominent automotive brands, including Daimler-Benz, Porsche, Ford, and IBM.

Auburn Hills, MI, US

• Developed a new line of suspension systems for Chrysler vehicles using software, reducing overall time to design, manufacture, and test suspensions.

• Built custom engineering applications to enhance productivity of Ford, Toyota, & GM

Bachelor'S Degree, Mechanical Engineering

Master Of Business Administration (M.B.A.), Finance, General