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Ajoy leads engagement delivery and heads capabilities development for Customer & Loyalty Analytics, Integrated Marketing Effectiveness, Artificial Intelligence and Machine Learning, Big Data & Visualization.

Prior to Fractal, Ajoy was the Country Credit Risk Head for the consumer portfolio of Barclays India. He was in Leadership role in Consumer Credit Risk Management in Standard Chartered (Prime Financial), CitiFinancial and GE Money. He is experienced in Credit Risk Policy & Portfolio Management, Collections Strategy, Underwriting & Fraud Control.

Ajoy received his MBA from the Indian Institute of Management (IIM) at Calcutta and Bachelors in Mechanical Engineering from the Indian Institute of Technology (IIT) Delhi.