Dhanush B D profile photo 1 on Tal

Dhanush B D

Building Profitable, Scalable Credit Businesses | Credit Risk Strategy, Decision Science & Analytics Leader | Credit Decisioning, Risk Intelligence & Portfolio Economics | Fintech, Global Banking & AI-Driven Innovation

Bangalore Urban

9+ years of work experience

airtel
Jun 20251 yr 5 mosPresent

Bengaluru · Hybrid

Leading credit risk strategy and analytics across Business Loans, Personal Loans and Airtel Axis Credit Card, collaborating with Product, Business, Engineering teams and lending partners to drive growth within risk appetite. Own end-to-end underwriting and credit funnel strategy, alongside leading the development of Airtel’s first Personal Loan underwriting and line-assignment framework for its NBFC. Leverage bureau, telecom behavioral, SMS, app-usage and demographic data to develop cutting-edge risk strategies, optimize acquisition and approval funnels, improve portfolio quality, and drive sustainable growth and profitability.
airtel
Jan 20241 yr 6 mosJun 2025

Bengaluru · Hybrid

PayU
Aug 20236 mosJan 2024

Owned and directed end-to-end credit risk strategy for BNPL acquisition and portfolio management, partnering with Data Science, Product and Business teams to optimize risk-adjusted growth, portfolio performance and P&L. Led credit strategy development, risk monitoring, line management and portfolio interventions, while presenting portfolio insights and recommendations to senior leadership through Credit Risk Committee reviews. Designed and deployed innovative line-management strategies using A/B testing, re-engineered credit-limit strategies and led risk mitigation initiatives across new and repeat-user portfolios, including an ECL framework transformation that strengthened provisioning accuracy, automation and governance.
PayU
Aug 20212 yrs 1 moAug 2023

EY
Apr 20215 mosAug 2021

Client facing role - Senior Consultant for American Express Credit Card strategy team Served as a client-facing Senior Consultant supporting the American Express Credit Card Strategy team, developing data-driven acquisition and targeting frameworks for commercial credit cards. Leveraged alternative data, digital footprints and behavioral signals from SME businesses to identify high-potential prospects and inform scalable acquisition strategies for the Australia market.
HSBC
Jan 20201 yr 4 mosApr 2021

Bengaluru

Led the design and execution of data-driven credit risk strategies for Credit Card portfolios across HSBC Asia-Pacific markets, partnering with Hong Kong headquarters and country teams on portfolio risk management and credit decisioning. Developed and implemented credit-limit management and transaction authorization strategies using behavioral scores and advanced decision-tree segmentation, while building portfolio monitoring frameworks to provide end-to-end visibility into strategy performance.
Axis Bank
Jul 20172 yrs 6 mosDec 2019

Worked on credit risk strategy and portfolio analytics for Credit Card acquisition and portfolio management, supporting credit policy, risk segmentation, customer persona-level decisioning and portfolio risk monitoring. Developed risk segmentation frameworks using CIBIL, demographic and behavioral attributes to identify differentiated risk profiles and strengthen pre-approved Credit Card acquisition strategies. Contributed to credit underwriting and acquisition-risk assessment, portfolio performance analysis and credit-limit management strategies, while developing risk dashboards and analytical frameworks used in monthly senior-management risk reviews.

Dhanush’s AI Stack

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Education

National Institute of Technology Karnataka

Bachelor of Technology, Electronics and Communications Engineering

National Institute of Technology Karnataka

20134 yrs2017

Class 11-12, PCMS

Expert Pre-university Science College, Mangalore.

20112 yrs2013

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Headline

Building Profitable, Scalable Credit Businesses | Credit Risk Strategy, Decision Science & Analytics Leader | Credit Decisioning, Risk Intelligence & Portfolio Economics | Fintech, Global Banking & AI-Driven Innovation

About

Credit Risk Strategy, Analytics & Decision Science leader with 9.5 years of experience across fintech and global banking environments, with a strong track record of building data-driven strategies that drive sustainable growth and profitability, strengthen portfolio performance, improve unit economics and scale analytics capabilities. Extensive experience in leading end-to-end credit risk strategy, underwriting, portfolio management, credit analytics, risk decisioning and P&L optimization across Credit Cards, BNPL, Personal Loans and Business Loans. Over the course of my career, I have worked across Airtel Finance, PayU, HSBC, American Express (through EY) and Axis Bank, partnering with Product, Business, Data Science, Engineering, Finance and senior leadership teams across India and APAC to translate complex risk and business challenges into actionable strategies. Core expertise: Credit Risk Strategy | Analytics | Underwriting | Risk Decisioning | Portfolio Management | Risk Segmentation | Line Management | P&L Optimization | Credit Analytics | Decision Science | Credit Cards | BNPL | Personal Loans | Business Loans | Python | SQL | Tableau | PySpark | SAS | Advanced Excel and Powerpoint | AI & Analytics Tools

Location

Bangalore Urban

AI stack

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codex

notebooklm

openai

claudecode

Work experience

Senior Manager - Risk Analytics, Airtel Fintech at airtel, Jun 2025 - Present · 1 yr 5 mos, Bengaluru · Hybrid, Leading credit risk strategy and analytics across Business Loans, Personal Loans and Airtel Axis Credit Card, collaborating with Product, Business, Engineering teams and lending partners to drive growth within risk appetite. Own end-to-end underwriting and credit funnel strategy, alongside leading the development of Airtel’s first Personal Loan underwriting and line-assignment framework for its NBFC. Leverage bureau, telecom behavioral, SMS, app-usage and demographic data to develop cutting-edge risk strategies, optimize acquisition and approval funnels, improve portfolio quality, and drive sustainable growth and profitability.

Lead Risk Analyst - Airtel Fintech at airtel, Jan 2024 - Jun 2025 · 1 yr 6 mos, Bengaluru · Hybrid

Senior Risk Analyst, Credit Risk Policy at PayU, Aug 2023 - Jan 2024 · 6 mos, Owned and directed end-to-end credit risk strategy for BNPL acquisition and portfolio management, partnering with Data Science, Product and Business teams to optimize risk-adjusted growth, portfolio performance and P&L. Led credit strategy development, risk monitoring, line management and portfolio interventions, while presenting portfolio insights and recommendations to senior leadership through Credit Risk Committee reviews. Designed and deployed innovative line-management strategies using A/B testing, re-engineered credit-limit strategies and led risk mitigation initiatives across new and repeat-user portfolios, including an ECL framework transformation that strengthened provisioning accuracy, automation and governance.

Risk Analyst - Credit Risk Policy at PayU, Aug 2021 - Aug 2023 · 2 yrs 1 mo

Senior Consultant (Client - American Express) at EY, Apr 2021 - Aug 2021 · 5 mos, Client facing role - Senior Consultant for American Express Credit Card strategy team Served as a client-facing Senior Consultant supporting the American Express Credit Card Strategy team, developing data-driven acquisition and targeting frameworks for commercial credit cards. Leveraged alternative data, digital footprints and behavioral signals from SME businesses to identify high-potential prospects and inform scalable acquisition strategies for the Australia market.

Asst Manager, Asia Pacific Credit Risk Strategy at HSBC, Jan 2020 - Apr 2021 · 1 yr 4 mos, Bengaluru, Led the design and execution of data-driven credit risk strategies for Credit Card portfolios across HSBC Asia-Pacific markets, partnering with Hong Kong headquarters and country teams on portfolio risk management and credit decisioning. Developed and implemented credit-limit management and transaction authorization strategies using behavioral scores and advanced decision-tree segmentation, while building portfolio monitoring frameworks to provide end-to-end visibility into strategy performance.

Credit Risk Analyst, Risk Analytics, Axis BIU at Axis Bank, Jul 2017 - Dec 2019 · 2 yrs 6 mos, Worked on credit risk strategy and portfolio analytics for Credit Card acquisition and portfolio management, supporting credit policy, risk segmentation, customer persona-level decisioning and portfolio risk monitoring. Developed risk segmentation frameworks using CIBIL, demographic and behavioral attributes to identify differentiated risk profiles and strengthen pre-approved Credit Card acquisition strategies. Contributed to credit underwriting and acquisition-risk assessment, portfolio performance analysis and credit-limit management strategies, while developing risk dashboards and analytical frameworks used in monthly senior-management risk reviews.

Education

Bachelor of Technology, Electronics and Communications Engineering, National Institute of Technology Karnataka

Class 11-12, PCMS, Expert Pre-university Science College, Mangalore.