---
title: "Aditya Gupta - Lending Strategy & Business in India | Tal"
description: "Meet Aditya Gupta, Building 0→1 | Strategy & Business Operator | CRED | | Ex-Nomura | IIT Kanpur based in India. AI stack includes claude and openai."
image: "https://tal.club/meet/aditya-gupta-19/share-image"
---

# Aditya Gupta on Tal

## Headline

Building 0→1 \| Strategy & Business Operator \| CRED \| \| Ex\-Nomura \| IIT Kanpur

## About

Strategy and business operator at CRED\. I own AI collections, NPA buckets, and risk levers across the lending business, running collections and recoveries strategy, and building 0→1 with product, data science, and operations\. Before CRED, I was in Global Markets at Nomura, executing secondary\-market trades across European ABS \(leveraged loans, CLOs, RMBS, CMBS\) alongside the London desk and building the pricing/tracking tools the desk used daily\. IIT Kanpur \(B\.Tech\), CFA Institute Certificate in ESG Investing, and a Top PM Fellow \(top 4%\) at NextLeap\. I like hard, ambiguous, business\-wide problems and turning them into shipped, measurable outcomes\.

## Location

India

## AI stack

claude

openai

## Work experience

Lending Strategy & Business at CRED, Dec 2022 \- Present · 3 yrs 9 mos, Greater Bengaluru Area, Launched and scaled CRED's AI\-calling charter for soft collections, moving \~75% of post\-bounce users to an AI\-driven first touch Led recoveries for CRED's hardest NPA cohorts \(DPD 90\+ and 180\+\) & doubled the recovery rate by working across operations, data science, and product\. Cut monthly collection cost \~50% with a behavioral treatment model reallocating users to IVR and chatbots, even as the loan book scaled several\-fold\. Own the fraud & abuse metric; reduced refund abuse in CRED Store using location, device, and affluence signals\. Lifted retention \~5% through persona\-led monetization\.

Top Product Management Fellow at NextLeap, Nov 2022 \- Mar 2023 · 5 mos, Greater Bengaluru Area, Graduated top 4% of the cohort; final project pitched a strategy to grow YouTube Premium subscriptions\. Built PM fundamentals end\-to\-end: user research, problem framing, ideation/validation, solution design, metrics, PRDs, and system/tech design\. Solved live product cases with senior PMs and industry leaders\.

Asset Backed Securities, Global Markets at Nomura, May 2021 \- Dec 2022 · 1 yr 8 mos, Mumbai Metropolitan Region, Executed secondary\-market trades across European ABS — leveraged loans \(LL\), CLOs, RMBS, CMBS — with the London trading desk\. Built cash\-flow models to price leveraged loans across consumer, auto, and credit\-card collateral\. Built the Leveraged Loans Tracker into a loan\-bidding app used daily by trading and sales\. Monitored portfolio investments, credit risk, and market risk with regular reporting\.

Front Office Risk, Global Markets at Nomura, Apr 2020 \- Jun 2020 · 3 mos, India, Built VaR \(Value at Risk\) models to optimize regulatory capital requirements\. Awarded a Pre\-Placement Offer \(PPO\) for outstanding contributions\.

Head, Marketing & Sponsorships at Antaragni IIT Kanpur, Mar 2020 \- Jan 2021 · 11 mos, India, Led the sponsorship and marketing charter for one of India's largest cultural festivals\. Grew marketing/sponsorship revenue \~70% by pivoting to new partner segments \(incl\. PSUs\) and closing corporate deals\. \(RECONCILE: resume says team of 120 / \+30% YoY / INR 5 Cr budget; LinkedIn says team of 40 / \+70%\. Pick one consistent version across both\.\)

Head, Synchronicity at Antaragni IIT Kanpur, Mar 2019 \- Mar 2020 · 1 yr 1 mo, India, Led a 15\-member team to scale the subcontinent's oldest and largest rock festival into Bangladesh and Nepal\.

## Education

Bachelor of Technology \- BTech, Civil Engineering, Indian Institute of Technology, Kanpur

Sri Sathya Sai Vidya Vihar, Indore

[View the original profile](https://tal.club/meet/aditya-gupta-19)

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