Prateek Gupta

Background

About Prateek Gupta

I have more than 21 years of experience in retail assets Credit Risk management, strategy, and digital innovation, working with leading banks such as Yes Bank and ICICI Bank. I have successfully built and managed large and healthy retail asset portfolios, covering various products such as personal loans, business loans, new and used car loans, loans against securities, and loans against gold. I have been recognized consistently for performance excellence, nurturing teams, and driving business growth. My core competencies include Credit Risk & Portfolio management, retail Lending, business process improvement, team management, and data-driven decision making. I am passionate about leveraging technology and analytics to create customer-centric and scalable credit solutions that enhance the value proposition and competitive edge. As the Chief Credit Officer at Spinny Capital, I oversee the credit risk management for the online car buying and selling platform, which has grown exponentially in the past year. I am responsible for designing and implementing the credit policies, processes, and systems that enable Spinny Capital to offer fast, flexible, and transparent financing solutions to its customers and partners.