---
title: "Archana Kulkarni - Risk & Fraud Strategy - Credit Cards in Bengaluru | Tal"
description: "Meet Archana Kulkarni, Risk & Fraud Strategy - Credit Cards @ Jupiter | Designing Data-Driven Business Solutions based in Bengaluru. AI stack includes claude and ChatGPT."
image: "https://tal.club/meet/archana-kulkarni-1/share-image"
---

# Archana Kulkarni on Tal

## Headline

Risk & Fraud Strategy \- Credit Cards @ Jupiter \| Designing Data\-Driven Business Solutions

## About

I am a Credit Risk and Lending Strategy professional with experience across retail lending products and credit cards\. I specialize in risk strategy formulation, portfolio analytics, and using alternate data sources in credit decisioning\. In my current role at HDFC Bank, I lead analytics for co\-branded credit card partnerships\. I design end\-to\-end acquisition strategies and provide data\-driven solutions across different legs of the customer journey\. My work involves evaluating alternate data sources, support in building risk models, formulation of risk strategy using traditional and alternate risk indicators and continuously monitoring portfolio performance to maintain strong risk controls while enabling business growth\. Previously, I have driven initiatives including: • Building pre\-approved lending strategies across auto loans, two\-wheelers, and consumer durable finance • Critical analysis of existing risk policies to identify additional low\-risk customer segments for lending • Supporting model development, validation and monitoring of risk models • Evaluation of alternate data sources to support risk decisioning • Developing analytics tools and dashboards to enhance customer insights and cross\-sell effectiveness I enjoy understanding lending strategies and customer journeys and provide data driven analytical solutions that make lending decisions more efficient\. Skills Credit Risk Strategy • Lending Analytics • Portfolio Monitoring • SQL • Python • Strategic Partnerships • Data Room Exercise • Cross\-functional Leadership

## Location

Bengaluru

## AI stack

claude

ChatGPT

## Work experience

Risk & Fraud Strategy \- Credit Cards at Jupiter, Jun 2026 \- Present · 4 mos

Assistant Vice President at HDFC Bank, Dec 2024 \- May 2026 · 1 yr 6 mos, I lead co\-brand credit card analytics across multiple partners\. I design acquisition strategies basis ML models, control portfolio delinquency and conduct a comprehensive funnel analysis across various legs of the co\-brand credit card journey to provide data\-driven business solutions\. My role includes exploration and understanding of alternate data available at partners, support in building internal risk and affluence models and formulation of risk strategy using multiple external and internal indicators\.

Senior Manager at HDFC Bank, May 2021 \- Dec 2024 · 3 yrs 8 mos, I designed and implementation pre\-approved credit strategies across Auto, Two\-Wheeler, Consumer Durable, and Personal Loan portfolios\. Delivered measurable growth by optimizing policy rules resulting in \~15% growth in pre\-approved offers and \~12% higher ticket sizes\. I built large\-scale acquisition and cross\-sell programs including strategies for BNPL and standalone asset customers\. I managed an external model development initiative to re\-evaluate rejected applications, identifying \~1M new pre\-approved offers, and supported early initiatives to identify gig workers through spend behavior for targeted financial products\.

Associate Manager at Standard Chartered Bank, Nov 2019 \- Apr 2021 · 1 yr 6 mos, Greater Bengaluru Area, I analyzed various assumptions in the Risk Framework with an aim to arrive at broad guidelines to be followed by analysts working on the framework for different products/countries\. Scenarios are drawn based on different factors \(eg: existing segmentation vs simplified segmentation, existing score\-bands vs simplified score\-bands etc\)\. I developed a RAG performance tracker basis delinquency, revenue and volume for different experimental credit programs running across regions, to be used to make decisions on closing/regularizing the credit program\.

Manager \- Risk Analytics at HDFC Bank, May 2018 \- Nov 2019 · 1 yr 7 mos, Mumbai, Maharashtra, India, I developed an integrated customer dashboard for Relationship Managers, combining banking, bureau and demographic data to formulate narratives and customer insights leading to effective cross\-sell pitches and increased engagement\. I built a comprehensive spend analyzer of savings and credit card spends as part of the dashboard\.

Internship at Inditrade Capital Limited, Apr 2018 \- May 2018 · 2 mos, Bengaluru, Karnataka, India, Developed automated Excel models for technical indicators \(Open Interest, Fibonacci Series, Moving Average\) aimed at improved decision making in equity call generation\.

## Education

Post Graduate Diploma In Managament, Finance, General, T A Pai Management Institute, Manipal

Engineer’s Degree, Electronics and Communication Engineering, Sir M Visvesvaraya Institute of Technology, BANGALORE

[View the original profile](https://tal.club/meet/archana-kulkarni-1)

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