Professional Summary

Professional Overview

Ayush Goswami is a Senior Cluster Manager with a strong focus on Risk Management, Direct Assignment, and Co-Lending in the financial services industry. He brings a wealth of experience in portfolio risk analytics, credit card risk management, and digital business consulting.

Experience Summary

Current Role

As the Senior Cluster Manager: Risk- Direct Assignment and Co-Lending at Bajaj Finserv, Ayush is responsible for overseeing the risk management strategies for the company's direct assignment and co-lending business lines. He plays a pivotal role in developing and implementing risk mitigation frameworks, ensuring the portfolio's overall health and profitability.

Career Progression

Prior to his current role, Ayush served as the Cluster Manager-Risk Credit Cards at Bajaj Finserv, where he spearheaded the risk management strategies for the company's credit card portfolio. He also held the position of Senior Manager NBFC Portfolio Risk Analytics at CARS24, where he leveraged his expertise in data analytics to optimize the company's non-banking financial company (NBFC) portfolio.

Ayush's early career was marked by his contributions as a Consultant at Cognizant Digital Business & Technology Consulting, where he provided strategic advisory services to clients across various industries. He also gained valuable experience as a Young Leader at IndiaGlocal and in various roles at Digitalytics, a technology startup.

Ayush started his professional journey as a System Engineer and Assistant System Engineer at Tata Consultancy Services, where he honed his technical skills and gained a solid foundation in the IT industry.

Academic Background

Ayush holds a bachelor's degree in Engineering, with a focus on Electronics and Communication. His academic achievements and specializations have contributed to his well-rounded professional development.

Areas of Expertise

• Risk Management: Proficient in developing and implementing comprehensive risk mitigation strategies for financial products and portfolios.

• Direct Assignment and Co-Lending: Extensive experience in managing the risk and operations of direct assignment and co-lending business lines.

• Portfolio Risk Analytics: Skilled in leveraging data analytics to optimize the performance and profitability of NBFC portfolios.

• Digital Business Consulting: Expertise in providing strategic advisory services and digital transformation solutions to clients.

• Leadership and Team Management: Proven ability to lead and manage cross-functional teams, fostering collaboration and driving organizational objectives.

Professional Impact

Throughout his career, Ayush has made significant contributions to the financial services industry. He has played a pivotal role in enhancing the risk management frameworks of leading organizations, driving portfolio optimization, and delivering impactful digital solutions to clients. His innovative approach and analytical acumen have earned him recognition as a trusted advisor in the industry.

Conclusion

With a proven track record of success in the financial services sector, Ayush Goswami is a seasoned professional who continues to make valuable contributions to the industry. His expertise in risk management, portfolio analytics, and digital transformation, combined with his strong leadership skills, make him a valuable asset to any organization.