Vipin Gupta
Sr. Managing Director / Chief Credit Officer, OneMain Auto Finance | Ex- Capital One, BCG | IIM Calcutta
- Role
- Senior Managing Director (Loans Pos Lending) at OneMain Financial
- Location
- Charlotte, NC, US
- LinkedIn followers
- 500 followers
About Vipin Gupta
18 years of experience in Credit/Pricing/Modeling across Cards, Auto, PoS lending and Personal Loans with major Banks/Consumer Lenders and Strategy Consulting firms. Worked extensively with Technology teams to build loan origination and decisioning platforms• Built the Auto Finance business for OneMain from 0 to 1. Reached ~$2.6Bn in receivables in 3 years with best in industry credit performance (OMF Q2\'25 earnings release)• Redesigned the Initial and Proactive Line Management strategy for BofA Cards portfolio using randomized testing and account-level profitability optimization• Led the development of new underwriting risk models and strategy for BofA Cards portfolio and led OCC regulatory exams related to use of the new models• Built the credit policy and pricing strategy for POS lending for Home Improvement and Elective Medical verticals. Supported business case and partnership conversations with key partners like GreenSky, Sunlight and Proceed• Strong team-building and people-development skills - Managed teams of people managers with professional analysts & data scientists to deliver idea-to-implementation results• Influenced decisions and business agenda with CEOs and their leadership teams
Experience
Senior Managing Director (Loans Pos Lending)
Aug 2024 — Present · Charlotte, NC, US
Head of Credit for OneMain Auto Finance and POS Lending. Built the organic business from 0 to 1 with ~$1Bn+ in receivables in three years with credit performance better than the industry in this cycle.(OMF Earnings Release: Q2\'24). Led the credit due diligence and acquisition of Foursight Lending to grow the Auto portfolio inorganically to $2Bn+ in receivables.
Education
Indian Institute of Management, Calcutta
Post Graduate Diploma in Management
Delhi University
Bachelor's Degree, Computer Engineering
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