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Aditya Paunikar is an accomplished professional in risk management and analytics with extensive experience across various roles in leading companies. Currently serving as AVP of Risk at Kredivo Group since July 2020, Aditya focuses on underwriting new and existing users and portfolio risk management frameworks. Previously at Kabbage, Aditya held the position of Decision Analytics Manager, where key duties included stress testing portfolio losses. Aditya's earlier roles at EXL included Senior Manager positions in Credit Risk Strategy, Model Monitoring, and Credit Risk Analytics, showcasing a strong background in model development and analytics. Starting with a foundation in data analytics at Mu Sigma and early experience as a Derivatives Trader, Aditya holds a PGDM from the Indian Institute of Management, Calcutta, and a BTech in Electronics and Communications Engineering from DAIICT.