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Vaibhav Borgaonkar is a Senior Risk Analyst at TMX Finance Family of Companies. Prior to this, Vaibhav held roles such as Business Insights Analyst at Spruce, Credit Risk Reporting Associate at JPMorgan Chase & Co., and Senior Risk Analyst at Home Credit. With a Master's Degree in Management Information Systems from Oklahoma State University and a Bachelor's Degree in Computer Engineering from University of Mumbai, Vaibhav brings extensive experience in data analytics, reporting, and data management across various industries.