Supratim Pandey

Financial Innovation & Digital Engagement @ LendingClub

About

I’m a senior lending executive with more than 20 years of experience building, scaling, and leading consumer lending businesses across global banks and fintechs. My background spans credit cards, personal loans, mortgages, portfolio strategy, product, underwriting, digital origination, customer engagement, and P&L leadership. Over the course of my career, I’ve worked across both large, established institutions and more entrepreneurial build environments. That has given me a mix of scale and operating discipline on one hand, and speed, innovation, and business-building on the other. I’ve led multi-billion-dollar portfolios, launched new lending businesses and products, managed large cross-functional teams, and worked closely with Risk, Finance, Compliance, Operations, and Technology to drive sustainable growth. A consistent theme in my career has been helping lending businesses grow in a way that is both commercially strong and operationally disciplined. That has included improving portfolio performance, building new product and channel capabilities, shaping customer and digital journeys, and aligning lending strategy with broader financial and risk objectives. I’m particularly energized by opportunities where lending is central to the growth story — whether that means scaling an existing business, modernizing a platform, launching something new, or finding better ways to deepen customer relationships and long-term value.Areas of ExpertiseEnterprise Lending Strategy | Portfolio Management & Growth | Credit Cards | Personal Loans | Mortgages | P&L Leadership | Pricing & Underwriting Strategy | Balance Sheet & Margin Alignment | Digital Origination & Lending Transformation | Lifecycle & Customer Value Management | Credit Risk Partnership | Regulatory & Governance Leadership | Cross-Functional Leadership | Building and Scaling Lending Platforms

Country

United States

City

New York

Industry

Banking

Skill

Card-Linked Installments, Product Management, Credit Cards, Retail Banking, Credit Risk, P&L Responsibility, Team Leadership, Marketing Communications, Payments, Banking, Risk Management, Business Strategy, Strategy, Portfolio Management, Management, Leadership, Financial Services, Credit, Financial Risk, Business Planning

Experience

Financial Innovation & Digital Engagement

LendingClub

2022-5 - Present · 4 yrs 5 mos

New Jersey, United States

Lead LendingClub’s strategy for financial innovation and digital engagement. Scope includes identifying and prioritizing new product verticals, evaluating both organic and inorganic growth opportunities, and shaping the long-term roadmap for revenue diversification. On the digital side, orchestrate how LendingClub engages customers across multiple products. Partner closely with product, data, and technology teams to build and orchestrate a digital marketing engine that enables data-driven, personalized journeys to increase customer engagement and maximize lifetime value.

Head of Unsecured Lending Strategy & Head of Personal Loans

HSBC

2019-7 - 2022-6 · 3 yrs

New York City Metropolitan Area

Led the launch and growth of HSBC’s U.S. Personal Loan business with end-to-end responsibility across product, pricing, underwriting strategy, acquisition, and portfolio economics, while also helping shape strategic direction for the U.S. Credit Card portfolio. Built the Personal Loan business from the ground up and helped reposition cards for more disciplined, risk-adjusted growth in a highly regulated environment.

Head of Lending and Customer Value Management

HSBC

2014-2 - 2019-7 · 5 yrs 6 mos

Malaysia

Held full P&L responsibility across credit cards, personal loans, and mortgages for a portfolio of more than $6 billion. Also led customer propositions, customer experience, and analytics across the retail franchise, with a broad mandate spanning growth, product economics, lifecycle strategy, and balance-sheet-aware lending decisions. Led a large multi-functional team and worked at executive level across lending strategy, portfolio performance, customer engagement, and business transformation.

Head of Credit Cards

Standard Chartered

2011-8 - 2014-1 · 2 yrs 6 mos

Hong Kong

Led a multi-billion $ Credit Card P&L in one of Asia’s most competitive markets. Launched innovative new Loan-on-Card products, new Credit Card products & co-branded credit card and led the team in achieving top-two market position in Hong Kong credit card.

Head, Retail Products, Marketing and Digital

Standard Chartered

2007-1 - 2011-8 · 4 yrs 8 mos

Philippines

Managed all retail products (Cards, Loans, Deposits) with responsibility for P&L, marketing, and digital banking. Gained broad expertise across consumer banking, launched digital banking and built a multi-channel customer engagement.

Director, Portfolio Management - Credit Card & Line of Credit

Citi

2003-11 - 2006-12 · 3 yrs 2 mos

Singapore

Directed portfolio management and lifecycle strategies for the credit card & LOC portfolios. Supported P&L planning, customer engagement initiatives, and product performance optimization.

Portfolio Management, Credit Cards

Standard Chartered

2000-3 - 2003-10 · 3 yrs 8 mos

India

Managed card portfolio strategy, risk, and account management. Gained early expertise in customer lifecycle engagement, credit risk, and credit card portfolio economics.