Rahul Kumar
Global Head, Risk & Data Science
About
Rahul Kumar is an Enterprise Risk and Data Science leader with extensive experience in regulated lending environments. He possesses over 15 years of expertise across NBFCs, fintech lenders, and enterprise analytics platforms, with a proven track record in credit risk, fraud risk, operational risk controls, AML oversight, and AI governance. Rahul excels at translating complex risk requirements into actionable strategies and is actively seeking leadership roles in Risk Management, Data Science & Analytics, or Chief Risk Officer positions.
Looking For
Experience
Independent Risk & Data Science Advisor
06/2026 – PresentSelf Employed · Gurugram
- Advise founders, CROs, and leadership on risk appetite and portfolio governance.
- Guide adoption of explainable AI frameworks in regulated lending.
- Establish model governance standards, validation thresholds, and monitoring.
Global Head – Risk & Data Science
06/2024 – PresentFinBox
- Owned enterprise risk and AI governance for bureau, banking intelligence, and fraud platforms.
- Directed risk infrastructure and decisioning platforms across India and SEA.
- Defined model governance standards for lending deployments.
VP & Group Head – Risk & Data Science
03/2022 – 05/2024Arthmate
- Defined board-approved risk appetite framework for retail and wholesale lending.
- Owned credit, fraud, and operational risk governance for ₹2,800+ crore portfolio.
- Managed ticket sizes from ₹1,000 to ₹5 crore, including MSME and structured lending.
Head of Lending
06/2021 – 02/2022Jupiter
- Scaled digital unsecured lending portfolio to 1000 Cr disbursals.
- Built NTC underwriting frameworks using bureau and alternate data, improving approvals by 25%.
- Launched BNPL and credit cards with ML-driven dynamic limits.
Head – Risk & Data Product
11/2018 – 06/2021Think Analytics (Algo360)
- Led credit and fraud scorecard programs across multi-lender unsecured portfolios.
- Directed ML and NLP-based alternate data underwriting models.
- Delivered scorecards with KS > 35 and Gini > 60 across client deployments.
Skills
Fraud Prevention
Data Science & Analytics
Risk Management & Governance
Industries
Languages
Education & Certifications
MBA in Finance & Strategy
IIM Calcutta · 2012
B.Tech in Computer Science & Engg.
BIT Sindri · 2009