Sanket Sahoo

About Sanket Sahoo

Fintech analytics professional with 4+ years of experience in consumer lending, spanning credit cards and personal loans. I specialize in turning complex data into clear, actionable insights that improve product performance, customer outcomes, and profitability.Currently supporting LendingClub’s U.S. Personal Loans business in Credit Risk & Pricing Analytics, where I design and evaluate data-driven pricing and offer strategies, lead A/B-tested experiments, and monitor lifecycle performance across acquisition, conversion, and vintage profitability. My work has contributed to measurable IRR uplift while maintaining strong customer value and risk discipline.Previously part of OneCard’s core Risk & Analytics team, I worked on risk segmentation, early-risk identification, and lifecycle monitoring at scale, partnering closely with Product, Data Science, and Engineering teams to deploy experimentation-led strategies and improve portfolio health. Core strengths: Product & business analytics • A/B testing • Pricing & profitability modeling • Lifecycle & vintage analysis • Cross-functional collaboration

Experience

1. Senior Consultant-credit Risk & Pricing

   EXL

   Mar 2025 — Present · Bengaluru, IN

   Played a key role in rolling out a max-out offer strategy (re-pricing P1/P2 loans by 50bps and A/B testing P3 caps vs.+200bps expansion), with initial performance suggesting a ~4–9 bps IRR uplift in lower-return segments, with nominal impact on quarterly revenues- Drove the successful launch of a zero optional fee LST variant (0% origination fee, APR-neutral coupon), which has already significantly boosted BAU offer preference by ~4% through clear savings visibility for customer- Took ownership of monthly funnel conversion & credit performance tracking, Price Sensitivity Assessments & Vintage IRR reports, delivering vital insights into take rate sensitivity across various APR bands that directly shaped quarterly test priorities- Partnered with Product, Risk, and Engineering on A/B-testing pricing/minimum offer amount/step size changes; improved take rates without charge-off increase- Automated dashboards to reduce manual reporting and support real-time alerts & insights.

Education

• Sri Sri University

  Masters (Finance & Business Analytics), Finance, Business Analytics

• Birla Institute of Technology and Science, Pilani

  BE (Hons), Computer Science