Sakshi Gabba

PL Underwriting and Strategy @ EXL | ex-ZestMoney, FRM Level-2 Candidate, FRM Level-1 cleared

Role: Manager at EXL
Location: Bengaluru, KA, IN
LinkedIn followers: 500 followers

General Business & ManagementView LinkedIn profile

Experience

Manager
EXL
Jun 2023 — Present · Bengaluru, IN
Developed risk-based segmentation and decline strategies that boosted portfolio profitability by ~5% and cut early delinquencies by ~6%.Led pricing analytics for 72-month portfolios, improving IRR by 5-10 bps, and launched a multi-exposure framework contributing ~22% of total personal loan volumes.Productionized end-to-end risk reporting pipelines using SQL, Python, and Airflow, while utilizing champion-challenger frameworks to refine underwriting policy.Delivered executive risk dashboards to senior stakeholders, ensuring 100% alignment with risk appetite, and audit readiness.

Education

Shiv Nadar University
Master of Science (MSc) Economics, Economics
2016 — 2018
Delhi University
Economics(Hons), Economics
2013 — 2016

Contact information

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Current company

EXL

59K employees · New York, NY, United States

Choosing a digital partner is about more than capabilities — it’s about collaboration and character. Unrealistic overhauls and off-the-shelf products ignore what matters most — your unique needs, culture, goals, and your legacy data and technology environments. At EXL, our collaboration is built on ongoing listening and learning to adapt our methodologies. We’re your business evolution partner—tailoring solutions that make the most of data to make better business decisions and drive more intelligence into your increasingly digital operations. Whether your goals are scaling the use of AI and digital, redesign operating models, or driving better and faster decisions, we’re here to partner with you to help you gain—and maintain—competitive advantage with efficient, sustainable models at scale. Our expertise in transformation, data science, and change management helps make your business more efficient and effective, improve customer relationships and enhance revenue growth. Instead of focusing on multi-year, resource- and time-intensive platform designs or migrations, we look deeper at your entire value chain to integrate strategies with impact. We use our specialization in analytics, digital interventions, and operations management—alongside deep industry expertise — to deliver solutions that help you outperform the competition. At EXL, it’s all about outcomes—your outcomes—and delivering success on your terms. Share your goals with us and together, we’ll optimize how you leverage data to drive your business forward. For more information, visit www.exlservice.com.

exlservice.com

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Experience

Manager

Education

Shiv Nadar University

Delhi University

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