MALVIKA Mittal in

MALVIKA Mittal

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Senior Manager - Consumer Credit Risk at Discover
📍 United States

Malvika Mittal is a senior manager in consumer credit risk at Discover, overseeing a portfolio exceeding $100B in credit cards, personal, and home loans. With over 11 years of experience, she specializes in credit strategy, loss forecasting, and predictive modeling using SAS, SQL, and Python. She holds an M. B. A. from the National Institute of Bank Management.

At Discover, she redesigned underwriting strategies for personal loans, which improved profitability by 16%.

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Experience
10 Years
Current Role
Senior Manager - Consumer Credit Risk
Job Level
Middle
Location
United States
Personality Overview

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Priorities

Topics MALVIKA cares about

Credit Risk Strategy
Leads portfolio-level credit strategy across a $100B+ portfolio, focusing on underwriting optimization, segmentation, and risk-adjusted growth.
Loss Forecasting Models
Develops and manages loss forecasting models for delinquencies and charge-offs using advanced statistical techniques across multiple senior roles at major financial institutions.
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Career

Work history

9-2024
Senior Manager - Consumer Credit Risk
Discover
6-2024 - 9-2024
AVP - Strategic Analytics -Credit Cards
JPMorganChase
3-2022 - 5-2024
Manager, Collection Analytics & Loss Forecasting Analytics
Oportun
9-2021 - 12-2021
Assistant Vice President - Acquisition Credit Risk Analytics
Wells Fargo
3-2019 - 9-2021
Senior Associate - Credit Risk Strategy and Analytics - Loss Forecasting
Wells Fargo
In the press

Media appearances

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Education
2012 - 2014
Master of Business Administration (M.B.A.)
National Institute of Bank Management, Pune
Chartered Accountancy- Intermediate
The Institute of Chartered Accountants of India
Social presence
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Behavioral profile

DISC profile (public)

DISC behavioral profile

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