Harshan Dixit

Background

About Harshan Dixit

Program Manager specializing in Retail Digital Lending, Co-lending Partnerships, and Portfolio Risk Governance with over 3 years of experience in scaling unsecured and MSME lending programs. Currently leading Partnership Business at Oxyzo Financial Services Limited, driving strategic alliances with NBFCs, Banks, and Lending Service Providers (LSPs) to deliver sustainable growth while maintaining asset quality and profitability.Proven track record of scaling co-lending AUM from ₹600 Cr to Cr with ~14% IRR through structured program governance, partner performance management, credit policy optimization, and real-time decisioning enhancements. Experienced in conducting credit and business due diligence, evaluating underwriting models, and aligning risk appetite with business expansion strategies.Strong expertise in portfolio analytics, PD modeling (500+ attributes), early warning frameworks, loss-rate monitoring, credit guardrails, KYC stack design, fraud prevention, repayment infrastructure management (E-Mandate, NACH, UPI, BBPS, Escrow), and SLA governance. Adept at collaborating cross-functionally across credit, analytics, finance, compliance, product, and operations to convert strategy into measurable business outcomes.Previously worked at DMI Finance in Product & Operations, strengthening risk frameworks, improving digital KYC processes, optimizing partner agreements, and enhancing loan lifecycle efficiency.Analytical, structured, and execution-driven professional with a strong foundation in credit risk, financial modeling, and digital lending ecosystems