Sourav Sengupta

Vice President/MD – Credit & Pricing Technology @ OneMain Financial

About

• Visionary VP of Software Engineering with 20+ years of experience leading large-scale engineering teams and delivering innovative solutions in Financial Services and heavily regulated industries. • Expertise in AI Powered business decision automation, cloud-native transformations, and modernizing legacy systems to improve agility, scalability, and efficiency. • Proficient in hybrid cloud strategies (GCP), rules engines (IBM ODM, Drools, FICO Blaze), and building robust credit execution platforms. • Specialized in consumer lending, BNPL, credit risk modeling, and real-time loan decisioning to enhance operational efficiency, borrower experience, and portfolio profitability • Skilled in fostering engineering-centric cultures, driving iterative development, and aligning technical initiatives with strategic business objectives. • Adept at navigating complex regulatory environments and optimizing technology solutions for cost-efficiency and performance. • Specialized in modernizing complex technology landscapes, building consumer-centric platforms, and implementing cost-effective, reusable solutions to streamline operations and accelerate time-to-market. Passionate about leveraging technology to empower organizations and enhance user experiences. • Passionate about creating scalable architecture and driving technological advancements to keep organizations at the forefront of industry trends. • Strong leader and problem-solver dedicated to streamlining operations, decreasing costs, and fostering organizational efficiency through sound judgment and independent decision-making

Country

United States

City

Cockeysville

Industry

Financial Services

Skill

Agile & Waterfall Methodologies, Business Decision Automation, IBM ODM, Global Cross-Functional Team Leadership, Process Improvement, Strategic Planning, Credit Lending Solutions, Presentations, Test Automation, Performance Appraisal, Engineering Management, Software Projects, Databases, Resource Allocation, Resource Planning, Risk Management, Thought Leadership, Management, Analytical Skills, Decisioning

Experience

Vice President/MD – Credit & Pricing Technology

OneMain Financial

2025-4 - Present · 1 yr 6 mos

Baltimore, Maryland, United States

Director of Software Engineering

PayPal

2012-4 - Present · 14 yrs 6 mos

Baltimore, Maryland Area

• Build and led a global team of 40+ members (engineers, managers, architects) from scratch to deliver high-performance Credit decisioning for global consumer and business credit products, including PayPal Credit, Buy Now Pay Later, Business Lending and Global Collection Strategies. Directed hybrid cloud initiatives, modernizing legacy platforms into cloud-native solutions leveraging GCP. • Spearheaded AI-powered process & decision automation and data pipeline engineering to optimize credit decisioning and pricing workflows for risk management, improving approval speed and accuracy by 30%, while reducing portfolio delinquency rates by 12%, supporting $30B+ in annual transactions and 400M+ user base globally. • Directed the development of a BNPL platform, driving 15-20% annual growth and supporting a combined 400M+ global customers. Led the implementation of Credit risk and fraud strategies, reducing fraud occurrences by 20% and improving Credit lifecycle decisioning by 30% • Developed AI-driven credit risk decisioning and models, improving approval speed and accuracy by 30%, while reducing portfolio delinquency rates by 12%. • Established OKRs and aligned engineering initiatives with product priorities, fostering a culture of collaboration and transparency. • Developed and executed strategic initiatives for automation, achieving a 50% reduction in QA maintenance time and enhancing product reliability. • Partnered with Data Science, Business, Engineering and Product Management teams to define architectural vision and strategy for credit and pricing platforms to create client-centric solutions for the financial sector, driving user adoption and market expansion. • Partnered with Legal, Compliance and Governance teams to enhance security adherence. • Fostered a culture of technical excellence, diversity, and continuous learning through talent development programs mentoring, succession planning and cross-team training, resulting in a 30% increase in employee retention

Business rules Architect

Travelers

2008-7 - 2012-3 · 3 yrs 9 mos

Hartford, Connecticut Area

• Designed and delivered decision automation platforms for commercial and personal insurance using IBM ODM, improving underwriting accuracy and reducing processing times. • Led Agile transformations, reducing development timelines by 20% and increasing delivery precision. • Led proof-of-concept initiatives for rules engine (IBM ODM, FICO Blaze Advisor, Drools etc.) adoption, showcasing significant efficiency gains and operational cost savings.

Business Rules lead

LTI - Larsen & Toubro Infotech

2005-12 - 2008-7 · 2 yrs 8 mos

Pune Area, India

• Built Business Rules Engine COE to research and initiate POCs around Business Rules Management Systems (BRMS) and to demonstrate capabilities in conferences and roadshows. • Defined and standardized workflows for Business Rules Management Systems (BRMS), achieving significant cost and time efficiencies. • Managed the successful delivery of automation solutions, aligning technical strategies with organizational objectives