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DHEERAJ BERI

@dheerajberi

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Chief Risk Officer at Supernirman Materials / Crefin, building an anchor-led B2B supply chain finance platform.

India

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What I'm looking for

I'm actively exploring Chief Risk Officer and Board / Independent Director opportunities in fintech, NBFC, or financial inclusion-focused organizations. I'm open to relocation and remote board roles.

At Supernirman Materials / Crefin, I'm building an anchor-led B2B supply chain finance platform from the ground up. I engineered revolving limits secured by invoices and stock, with underwriting through GSTN and CIBIL APIs.

At Paisalo Digital, I helped build the credit architecture that supported AUM growth from US$952 Million to US$3.2 Billion. I built a proprietary ML underwriting engine on AWS and CIBIL that enabled 10-minute loan disbursals.

At NTEx Transportation / ElasticRun, I launched the risk vertical and helped scale lending to 450,000+ rural Kirana stores. The in-house underwriting engine funded more than 200,000 invoices worth US$24 Million, with DPD below 1.5%.

I've also been part of the founding team at RapiPay and served as a Strategic Board Consultant to Robert Owen Community Banking Fund in the UK. I'm actively exploring Chief Risk Officer and Board / Independent Director opportunities in fintech, NBFC, or financial inclusion-focused organizations.

Experience

Work history, roles, and key accomplishments

Current

Chief Risk Officer

Current

Supernirman Materials / Crefin

Mar 2023 - Present (3 years 7 months)

Built India's first anchor led B2B supply chain finance platform from stealth to traction. Engineered 90-day revolving limits secured by invoices and stock; deployed 60-second underwriting via GSTN and CIBIL APIs.

Supply Chain Finance Underwriting GSTN CIBIL Co Lending Risk Management

General Manager, Risk Policy

NTEx Transportation / ElasticRun

Feb 2022 - Mar 2023 (1 year 1 month)

Headhunted to launch risk vertical for India's fastest unicorn B2B platform; scaled lending to 450K+ rural Kirana stores in 13 months. Funded 200K+ invoices worth US$24 Million with DPD below 1.5% using a 100% inhouse underwriting engine.

Risk Policy Underwriting B2B Lending Rural Credit Invoice Financing

Head, Risk Management & Digital Underwriting

RapiPay / Capital India Finance

Mar 2021 - Jan 2022 (10 months)

Part of the founding team for launching fintech and grew monthly revenue from US$0 to US$119K in six months. Built underwriting stack on opensource and CIBIL; saved US$30K vs vendor tools with zero fraud loss over nine months.

Risk Management Digital Underwriting CIBIL Fraud Prevention Fintech

Chief Risk Officer

Paisalo Digital Limited

Jan 2019 - Feb 2021 (2 years 1 month)

Helped build credit architecture that supported scaling AUM from US$952 Million to US$3.2 Billion; maintained Net NPA at 0.24%–0.34%. Pioneered India's first digital loan lifecycle with 10-minute disbursal via proprietary ML engine on AWS + CIBIL.

Credit Risk Portfolio Management ML underwriting AWS CIBIL Digital Lending

Head Strategic Alliances

Paisalo Digital Limited

Jan 2017 - Jan 2019 (2 years)

Led strategic alliances and contributed to the growth of the company's credit architecture and portfolio.

Strategic Alliances Business Development Financial Inclusion

Head Consumer Durable Finance

Paisalo Digital Limited

Jan 2016 - Jan 2017 (1 year)

Led consumer durable finance operations, contributing to the company's growth and credit architecture.

Consumer Finance Credit Risk Portfolio Management

Strategic Board Consultant

Robert Owen Community Banking Fund, UK

Apr 2014 - Apr 2016 (2 years)

Elevated UK's leading CDFI to FCA flagship status; authored credit strategy and operational risk frameworks. Helped secure £1 Million EU grant through zero non-compliance audit and robust policy suite for Welsh CDFIs.

Credit Strategy Operational Risk FCA Compliance Policy Development

Area Head / AVP Branch Manager / Branch Head

Deutsche Bank · Kotak Mahindra Bank · ICICI Bank

Jan 2002 - Dec 2012 (10 years 11 months)

Built foundational expertise across retail banking, branch operations, and business development at three of India's most respected financial institutions. Delivered US$57 Million retail base and US$1 Billion advances at Kotak Varanasi branch; best in category revenue and audit ratings at Deutsche Bank.

Retail Banking Branch Operations Business Development Leadership