Archit Mishra
Risk Manager at Hero Fincorp | Ex- DMI Finance | Lending Industry Experienced | Borrowing is much better than begging, only if you repay on time
- Role
- Manager - Risk Policy and Analytics - Digital Lending - Partnerships and Cross-sell at Hero FinCorp
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Archit Mishra
Risk Analytics and Strategy | Unsecured Lending | Credit & Portfolio Management |…
Experience
Manager - Risk Policy and Analytics - Digital Lending - Partnerships and Cross-sell
Oct 2022 — Present · New Delhi, IN
Credit Risk & Underwriting Credit policy formulation for Personal Loans, BNPL, and Credit Cards Risk-based pricing models for unsecured lending products Credit underwriting & line assignment strategy Thin-file & new-to-credit (NTC) customer risk assessment Fraud detection in digital lending & BNPL transactions Loan approval workflow optimization for faster TAT Behavioral scorecard analysis to adjust credit limits dynamically Portfolio Risk & Analytics Portfolio segmentation & stress testing for unsecured loans Vintage analysis & cohort-based risk tracking NPA (Non-Performing Asset) management & delinquency forecasting Early Warning Signals (EWS) for high-risk customers Probability of Default (PD) & Loss Given Default (LGD) modeling Attrition risk analysis for credit card and BNPL portfolios Data & Statistical Modeling Credit scoring model development using alternative data sources Fraud detection using decision trees & predictive analytics SAS, Python, SQL for credit risk modeling & portfolio tracking Regulatory & Compliance (RBI Guidelines) RBI-compliant risk framework for unsecured lending KYC, AML, and Fair Practices Code (FPC) compliance Digital Lending & BNPL Risk Management API-based risk evaluation for fintech partnerships AI-driven fraud detection in digital transactions Credit utilization & repayment behavior analysis for BNPL customers BNPL risk optimization: balancing approval rates vs. default risk Digital underwriting & real-time risk scoring for instant loans Stakeholder & Process Management Collaborating with Data Science, Collections, Product, and Compliance teams Process automation to reduce TAT in loan approvals Portfolio performance monitoring & risk strategy adjustments Partner risk evaluation for fintech & co-lending partnerships
Education
Nirma Institute Of Management
Master of Business Administration (M.B.A.), Finance, General
2015 — 2017
Institute of Management, Nirma University
Master of Business Administration - MBA, Finance and Financial Management Services
BBD National Institute of Technology & Management
Bachelor’s Degree, Electrical Engineering
2010 — 2014
Skills
- Customer Service
- Financial Modeling
- Research
- Microsoft Office
- Project Finance
- Project Management
- Powerpoint
- Microsoft Excel
- Strategic Planning
- C++
- Mergers & Acquisitions
- Leadership
- Valuation
- Team Management
- C
- Microsoft Word
- Management
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