Kiran Kompalwar
--”Senior Credit Risk Analyst with Expertise in Risk Management and Mitigation | 3+ Years of Experience in Risk & Policy Analysis | Excel | Python | SQL | POWER BI |CC & PL Acquisition | Credit Risk Strategy|”
- Role
- Senior Credit Risk Analyst at Afors Consulting
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
Experience
Senior Credit Risk Analyst
Dec 2025 — Present · Hyderabad, IN
Senior Credit Risk Analyst driving credit card and personal loan acquisition strategy, scorecard performance, and portfolio health for a leading global bank. Responsible for balancing growth with risk discipline through data-driven credit decisions and proactive risk controls.Key Contributions & Impact:Own credit card and personal loan acquisition risk, covering pre-approved and policy-based sourcing, ensuring optimal approval rates while maintaining a healthy and sustainable portfolio.Strengthened portfolio quality and early delinquency control through rigorous post-acquisition quality checks on CLI, CLD, and new bookings, identifying policy breaches and implementing timely corrective actions.Played a key role in reducing delinquency and controlling early-stage risk by conducting post-approval bureau reviews and managing Bureau Containment Reporting for pre-approved cases.Actively monitor application and behavioral scorecard performance, tracking stability, population shifts, and risk trends to ensure models remain predictive and aligned with portfolio objectives.Partner with Credit Policy and Business Analytics teams to optimize scorecard cut-offs, RAC rules, and bureau norms, enabling risk-aligned growth across cards and personal loans.Identify high-risk segments using advanced portfolio analytics and recommend targeted mitigation strategies that improve roll rates, reduce losses, and enhance overall portfolio performance.Design and automate risk MIS, dashboards, and monitoring frameworks using Python, SQL, and advanced Excel, improving visibility for senior management and governance forums.
Education
Shree Ramchandra College Of Engineering Pune
Diploma of Education, Mechanical Engineering
Savitribai Phule Pune University (SPPU)
Bachelor of Engineering - BE, Mechanical Engineering
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