Open to opportunities

Neetu Nayyar

@neetunayyar

Message

I build profitable credit risk strategies for consumer and SME lending.

India

Message

What I'm looking for

I'm looking to lead end-to-end credit risk, underwriting, portfolio, and collections strategy for consumer or SME lending businesses, using data, AI/ML decisioning, and cross-functional leadership to build profitable, compliant portfolios.

I've led credit risk strategy and policy at DMI Finance, Aspire, Citi, and American Express across unsecured consumer, card, and SME lending. At Aspire, I owned a ~$20M APAC portfolio across Singapore, Vietnam, and Indonesia, reducing delinquency by over 50% and turning it profitable at approximately $100K gross profit per month.

I've built underwriting policies, risk-based pricing, AI/ML-enabled scorecards, collections strategies, and lifecycle risk frameworks. I increased automated approvals by roughly 10% through real-time alternate data integration, and led Citi's ~$0.9B India card-book migration to Axis with continuity of approvals and regulatory compliance.

At American Express, I led lifecycle credit, collections, and recoveries strategy for a $16B global cards portfolio, launched merchant lending that grew to ~$1B A/R, and developed COVID-era collection strategies that supported industry-leading delinquency performance.

Experience

Work history, roles, and key accomplishments

Head of Credit Risk Strategy & Policy

DMI Finance

Nov 2025 - May 2026 (6 months)

Led end-to-end credit strategy, underwriting policy, and risk-based pricing for digital lending programs. Partnered with data science teams to deploy scorecards using bureau and alternate data sources.

Credit Strategy Underwriting Risk Based Pricing Bureau Data Alternative Data Data Science

Head of Credit Risk

Aspire

Aug 2023 - Oct 2025 (2 years 2 months)

Owned full P&L for a ~$20M multi-geo APAC credit portfolio across Singapore, Vietnam, and Indonesia, including collections and recovery operations. Reduced delinquency rates by over 50% and increased automated approval rates by ~10% through alternate data integration.

Credit Risk P&L management Collections Strategy Delinquency Management Alternative Data Portfolio Management

Vice President – Credit Card Policy & Loan on Phone

Citi Bank

Mar 2022 - Jul 2023 (1 year 4 months)

Headed credit risk policy for Citi India card book (~$0.9B USD), covering underwriting, limit management, and portfolio monitoring. Led the Citi-to-Axis credit portfolio migration, ensuring continuity of approvals and regulatory compliance.

Credit Policy Underwriting Portfolio Monitoring Regulatory Compliance Migration Management

Senior Risk Manager – Consumer & Small Business Cards / Loans

American Express

Nov 2011 - Mar 2022 (10 years 4 months)

Led lifecycle credit, collections, and recoveries strategies across a $16B global cards portfolio. Launched merchant lending product in 2015, growing portfolio to ~$1B A/R, and designed COVID-era collection strategies contributing to industry-leading delinquency performance.

Credit Risk Collections Strategy Recoveries Portfolio Management Champion Challenger Testing Model Validation