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Karan Gupta is a knowledgeable professional with extensive experience in credit risk model development and risk management. Currently serving as the Chapter Lead for Non-Regulatory Model Development at ING Hubs Poland, Karan leads a team focused on non-regulatory credit risk models across various geographies. Previously, at SBI Card, Karan developed credit risk decision models for India's second largest credit card issuer, achieving a significant improvement in new customer acquisitions with the implementation of a machine learning underwriting model. Karan's background also includes innovative contributions to credit risk management at EXL, where Karan utilized machine learning techniques, including generative adversarial networks, to enhance model performance. Educational qualifications include a Master's degree in Operations Research from the University of Delhi and a Bachelor's degree in Physical Sciences from St. Stephen's College, Delhi.