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Sai Madhav S. has extensive experience in credit risk and financial forecasting, currently working at Chime since November 2021, where responsibilities include business case development, credit strategy design, and portfolio monitoring. Prior to Chime, Sai Madhav S. served as Assistant Vice President at EXL from June 2015 to November 2021, engaging with top US banks on risk management strategies for unsecured lending while managing a team of over ten professionals. Earlier roles at EXL included project manager and consultant positions, complemented by a summer research internship at Rakshak Foundation, focusing on India's energy security. Sai Madhav S. holds a Bachelor of Technology degree in Electrical Engineering from the Indian Institute of Technology, Kharagpur, earned between 2011 and 2015.