Harshit Tiwari

Background

About Harshit Tiwari

I specialize in leveraging data-driven analysis and building risk strategies to mitigate losses while enhancing customer experience across the credit lifecycle. With a strong foundation in both fraud analytics and credit risk, I bring a holistic perspective to identifying, assessing, and managing financial risks in complex portfolios.Currently, I work at Citi as an AVP in Credit Risk (2nd Line of Defense), where I focus on portfolio oversight for specialized lending products, including partner capital contribution loans and revolvers extended to law firm and asset management partners. My role involves evaluating portfolio performance, assessing cross-border risk exposures, and ensuring alignment with risk appetite, regulatory expectations, and internal policy frameworks. I collaborate closely with first-line teams, underwriting, and senior stakeholders to strengthen risk governance and drive informed decision-making.Previously, at Concora Credit, I specialized in fraud analytics within the credit card industry, developing strategies to detect and prevent transaction fraud, payment fraud, and account takeover. I analyzed fraud patterns such as identity theft and synthetic ID fraud, and partnered with cross-functional teams across credit policy, operations, and underwriting to enhance fraud defenses, particularly at the origination stage.My technical toolkit includes Python, R, SQL, and cloud platforms such as Azure Databricks, complemented by an AWS Certified Cloud Practitioner certification. I combine analytical rigor with practical business insights to translate data into actionable strategies.I hold a Master of Science in Business Analytics from The University of Texas at Dallas, where I strengthened my skills in data analysis, stakeholder management, and project execution.I am passionate about using data to solve real-world problems, optimize risk and operational outcomes, and drive strategic impact. I am particularly interested in roles that sit at the intersection of analytics, risk, and business strategy, where I can continue to create measurable value and contribute to innovation