Chiranjib Gupta

About Chiranjib Gupta

Accomplished financial services executive with extensive expertise in retail banking, credit risk management, and AI/ML-driven data science. Proven track record of driving strategic initiatives, optimizing risk appetite frameworks, and enhancing profitability through data-driven decision-making. Adept at navigating regulatory landscapes and managing high-performing teams to achieve business transformation.Core Competencies:• Credit Risk Management & AI/ML-based Decision Science• Risk Appetite Strategy & Loss Forecasting (CECL, IFRS9, PD, LGD, EAD)• Data-Driven Marketing & Pricing Optimization• Consumer Lending, Credit Cards, Personal Loans, Mortgages, Auto & SMB Lending• CCAR/DFAST Stress Testing & Portfolio Valuations• Regulatory & Compliance Oversight

Experience

1. Adviser and Chief Operating Officer

   Ivitafi

   May 2025 — Present

   Established a strategic banking partnership to secure regulatory licensing and enable nationwide product deployment.• Structured and executing a credit facility to support future loan originations and portfolio growth.• Led the restructuring of $55M in legacy debt with a regional bank, resulting in approximately $20M in savings through reduced losses and interest expenses; oversaw the successful transition of the existing portfolio.• Redesigned healthcare clinic financing products to optimize risk exposure, reduce credit losses, and lower equity capital requirements.• Reduced expected credit losses by almost 50% within six months by enhancing underwriting standards, credit line management, and collections strategies, declining only 10% incremental.

Education

• University of Kalyani

  BA/MA, Economics, Econometrics, Micro Economics, Macro Economics

  1990 — 1996

• Indira Gandhi Institute of Development Research

  Ph.D, Economics, Econometrics, Time Series Analysis, International Trade, Environmental Economics

  1996 — 2000