
Ayush Agrawal
Summer Intern

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About me
FinTech | IIT KGP | CFA
Education

CFA Institute
-CFA
The Scindia School
2005 - 2008
Indian Institute of Technology, Kharagpur
2010 - 2014Bachelor of Technology (B.Tech.) Industrial Engineering and ManagementMajor courses: Operations ResearchSupply Chain ManagementFinance Quality Engineering
Experience

Ashok Leyland
May 2013 - Jul 2013Summer InternExecuted projects around line balancing and cost minimization for heavy duty vehicles production at Pantnagar plant based in Uttarakhand

HSBC
Jun 2014 - May 2017AnalystInvolved in designing acquisition and account management risk policies/strategies for unsecured products including credit cards and loans for Latin America region. In addition, also supported IFRS9 modeling for Hongkong region

Standard Chartered
Jul 2017 - May 2019Associate ManagerWas Part of the Group Policy team (Credit risk) based out of BangaloreIn first few months was involved in developing Credit card Authorization policy framework for all major StanChart markets. Later moved to Singapore country team and was involved in all credit risk management initiatives for including development and validation of risk decision framework (RDF) for credit cards and loans

Flipkart
May 2019 - Jul 2022B2C : Part of Risk and Collections team within Fintech and Payments group (FPG). Led collections analytics and strategy for Buy Now Pay Later (BNPL) and EMI products.B2B (Flipkart Wholesale) : Part of Credit Risk Management team of the newly launched Flipkart wholesale platform
Senior Manager
Mar 2021 - Jul 2022Manager - Fintech
May 2019 - Mar 2021

Bynow
Aug 2022 - Oct 2023Credit Risk management, Analytics and Debt collectionsBuilding next gen B2C and B2B BNPL solutionsFollow us at : https://www.linkedin.com/company/bynow/Bynow for Business : https://www.linkedin.com/showcase/bynow-for-business/

Jio Financial Services
Nov 2023 - nowProduct and Credit Policy
Licenses & Certifications

CFA level 3
CFA Institute
Private Equity by SDA Bocconi School of Management
Coursera
Financial Markets by Harvard Business School
Coursera
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