Nishank Bhatia

Director, Risk Strategy @Flexiti

Toronto, ON, CA

Planning | Financial Management | Data Analytics | Reporting | Credit Risk Models | Team Collaboration | Project Management• Provided strategic leadership in the development and execution of credit card strategies, driving portfolio growth and expansion.• Actively managed a private label credit card portfolio, overseeing its growth from $100 million to $2 billion.• Effectively managed both on-shore and off-shore teams, ensuring alignment with organizational objectives and performance targets.• Collaborated with the senior leadership team (SLT) to establish risk appetite frameworks, ensuring compliance with business objectives and regulatory standards.• Led the project to implement reporting to bureaus following the metro2 bureau reporting standards, enhancing data accuracy and regulatory compliance.• Developed an adjudication strategy enabling automated decisioning for up to ~85% of credit applications, streamlining the approval process.• Achieved a significant improvement in approval rates by 15-20% across online and face-to-face channels through strategic enhancements.• Designed and implemented an internal score model leveraging bureau data and proprietary data, demonstrating superior performance compared to the scores obtained from bureaus • Managed and led cross-functional teams to migrate credit strategies across decisioning platforms, fostering collaboration among Business, Operations, and Technology teams.• Owned and managed the end-to-end release change management process for the adjudication platform, ensuring seamless integration of new strategies.• Served as a subject matter expert for business requirements related to credit card application processes, data elements, adjudication, AML/ATF compliance, ID capture, fraud prevention, account management, and risk reporting.

Jaypee University of Information Technology

Master of Technology - MTech

Jaypee University of Information Technology

Bachelor of Technology - BTech