---
title: "Ritesh Saraogi - Principal - Credit Strategy in Bengaluru | Tal"
description: "Meet Ritesh Saraogi, Toast | CRED | ANZ | IIT Kharagpur based in Bengaluru."
image: "https://tal.club/meet/ritesh-saraogi/share-image"
---

# Ritesh Saraogi on Tal

## Headline

Toast \| CRED \| ANZ \| IIT Kharagpur

## Location

Bengaluru

## Work experience

Principal \- Credit Strategy at Toast, Jun 2025 \- Present · 1 yr 3 mos, Bengaluru, Karnataka, India

Data Science / Product Analytics / Credit Strategy @ CRED Cash at CRED, Aug 2021 \- Nov 2024 · 3 yrs 4 mos

Senior Data Scientist, Credit Risk at ANZ, Dec 2019 \- Aug 2021 · 1 yr 9 mos, Bangalore

Data Scientist, Credit Risk Modelling at ANZ, Jun 2017 \- Nov 2019 · 2 yrs 6 mos, Bengaluru Area, India, Credit Decision Scorecard Model \- New Zealand SME Portfolio \- Worked closely to understand the business banking segment of New Zealand Retail Market to develop statistical model in SAS tool\.

Summer Intern at Oxane Partners Limited, May 2016 \- Jul 2016 · 3 mos, Gurgaon

Steering Committee Member at Kshitij, IIT Kharagpur, Mar 2015 \- Jan 2016 · 11 mos, IIT Kharagpur

Core Organising Team Head at Kshitij, IIT Kharagpur, Mar 2014 \- Feb 2015 · 1 yr, IIT Kharagpur

Core Organizing Team Member at Kshitij, IIT Kharagpur, Aug 2013 \- Feb 2014 · 7 mos, IIT Kharagpur, 1\. Coordinated with a team of 40 people to plan and conduct Kshitij 2014\. 1\. Was responsible for publicity of the fest in major colleges of Punjab, Delhi, and West Bengal\. 2\. Associated with two Media Houses in Punjab region to publicize the fest\. 3\. Was responsible for contacting Alumni and Corporate houses for sponsorship and raised the fund worth INR 1,75,000\. 4\. Led a team of 37 volunteers to provide a good hospitality to all the participants at Kshitij 2014\.

## Education

Master of Science \(M\.Sc\.\), Economics, Indian Institute of Technology, Kharagpur

CFA Level I Passed, CFA institute

[View the original profile](https://tal.club/meet/ritesh-saraogi)

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