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Subash Sahoo is an experienced risk management professional with a background in credit decisioning and portfolio quality management. Currently serving as Risk Manager and Process Owner at Propelld since March 2022, Subash previously contributed to NIRA in the Founder's office, focusing on building risk processes and managing credit quality. In prior roles at Avail Finance, Shriram Transport Finance Company Limited, and IndusInd Bank, Subash demonstrated expertise in underwriting, policy creation, and customer engagement. Academic credentials include a Master of Science in Data Science from Kalasalingam University, an MBA in Finance from Indira Gandhi National Open University, and a B.Tech from Biju Patnaik University of Technology, alongside a certification in US mortgage.