Avanish Kumar Badal
Driving Credit Risk Innovation | Fintech Lending | Underwriting Strategy & Policy
- Role
- Solution Advisor at Deloitte
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Avanish Kumar Badal
Strategic Credit Risk & Fraud professional with 7+ years across fintech, digital lending, and NBFCs, building scalable credit and fraud risk infrastructure. I’ve led credit strategy across multiple retail products including personal loans, credit cards and UPI Payments — balancing speed with precision and compliance.Track record includes reducing delinquency by 30%, expanding approval rates by 25%, and unlocking 40% more thin-file customers by integrating alternate data signals like transaction patterns, device intelligence, and digital footprints into underwriting logic. Hands-on with credit modelling, and portfolio diagnostics — enabling faster iterations and sharper decisioning. Skilled at embedding decision engines, automating credit ops, and aligning policy with product and growth teams.
Experience
Solution Advisor
Feb 2026 — Present · Bengaluru, IN
Education
Christ University, Bangalore
Master of Business Administration - MBA, Banking, Corporate, Finance, and Securities Law
2016 — 2018
Amity University
Bachelor of Business Administration - BBA, Finance, General
2012 — 2015
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