Sahil Karunakaran

Expanded the Unsecured Personal Loan portfolio from ₹30 crores to ₹100 crores in AUM by enhancing internal risk modelling and credit validation processes, ensuring robust risk management Developed and launched an in-house Loan Management System capable of handling diverse loan products—including credit lines, SME loans, and microloans—with various repayment schedules (weekly, daily, monthly) Leading end-to-end product lifecycle management—from ideation and design to launch and post-launch optimization—to ensure a seamless user experience

As a Credit & Risk Associate, I assisted in creating robust Credit Policies. I collaborated with cross-functional teams to enhance credit scoring models and streamline digital risk management processes. Additionally, I continuously monitored the credit portfolio to proactively identify and mitigate emerging risks, contributing to the firm's overall financial stability and growth.

Managed client portfolios, boosting customer satisfaction and retention through proactive issue resolution and targeted onboarding support Increased product adoption rates by delivering tailored training sessions and collaborating with developers to resolve recurring user pain points, ensuring a smooth product lifecycle Facilitated ongoing feedback loops between clients and the product team, driving iterative improvements aligned with customer needs and market trends