Avani Garg
Credit and Pricing Strategy at Bluevine
- Role
- Director Credit Risk Management at Bluevine
- Location
- Jersey City, NJ, US
- LinkedIn followers
- 500 followers
About Avani Garg
11+ years of experience in financial services in credit risk and information management, customer acquisition strategy, lead optimization, campaign analytics, marketing analytics, profitability assessment and loss reserve. Experience in developing credit risk and collections strategies for commercial lending portfolio. Detail-oriented with strong analytical and communication skills. Skilled at working with cross-functional teams in collaboration and building relationships with stakeholders.Technical skill set:Proficient in Hive, SAS, SQL, CART, Teradata, MS Office
Experience
Director Credit Risk Management
Feb 2026 — Present · Jersey City, NJ, US
Leading end-to-end credit strategy, underwriting policy, and pricing for Bluevine’s Line of Credit product, managing loss and risk adjusted margin metrics- Design and optimize credit policies across the customer lifecycle (Onboarding and Customer management,), balancing growth, risk, and customer experience- Develop data-driven Risk based pricing strategies aligned competitive positioning, and profitability targets- Partner cross-functionally with Product, Data Science, Engineering, and Capital Markets teams on business priorities - Monitor portfolio performance and rapidly iterate strategies based on insights- Manage and mentor a high-performing global team, fostering a culture of analytical rigor, ownership, and innovation- Present credit performance, strategy updates, and risk insights to executive leadership to inform business decisions and capital allocation
Education
Indian Institute of Technology, Kanpur
Bachelor of Technology (B.Tech.), Biological Sciences and Bioengineering
2009 — 2013
Skills
- Big Data Analytics
- Data Analysis
- Hive
- Microsoft Excel
- Sas Programming
- Decision Analysis
- Data Management
- Statistical Modeling
- Market Research
- Predictive Analytics
- Management Consulting
- Quality Assurance
- Bioinformatics
- Lifesciences
- Business Strategy
- Biotechnology
- Business Analysis
- Teamwork
- Team Management
- R
- Python
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