Kshitij Sharma
Assistant Vice President - Credit Risk & Analytics | Data & AI-Driven Decisioning
- Role
- Assistant Vice President at EXL
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Kshitij Sharma
With 8+ years of global experience in Credit Risk, Data and AI-driven Analytics, I specialize in solving complex business problems through the application of AI, ML, and advanced data strategies. Currently a Project Manager at EXL, I lead high-impact projects across the credit lifecycle—acquisition, customer management, loss forecasting, and collections—for global financial institutions.My analytics portfolio spans credit risk modeling, digital and performance marketing, email campaign analytics, PII-compliant data handling, funnel optimization, datamart design, and dashboard development. I focus on the intersection of data science and business value, consistently delivering insights that drive measurable impact for clients.Previously, I have worked at Bright Money (Fintech), Royal Bank of Scotland (now NatWest), and led multiple projects for a major US credit card issuer. My academic background includes an MBA in International Management from MDI Gurgaon and ESCP Business School, and a B.Tech from NIT Bhopal.
Experience
Assistant Vice President
Jan 2026 — Present · Gurugram, IN
Education
ESCP Business School
Master in Management, Communication and New Media, International Business Development
BITS Pilani Work Integrated Learning Programmes
Post Graduate Diploma, Business Analytics
Maulana Azad National Institute of Technology
Bachelor’s Degree, Electronics and communication Engineering
2012 — 2016
Management Development Institute, Gurgaon
Master of Business Administration - MBA, International Management
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