Niraj Murarka

Visionary
DISC Type : Ds

Founding Member & Chief Risk Officer at LiquiLoans

Mumbai, Maharashtra, India

Overview

Niraj Murarka is a Founding Member and Chief Risk Officer at LiquiLoans, specializing in credit risk, data analytics, and P&L management. An alumnus of IIT Guwahati and IIM Calcutta, his career includes senior roles at LendingClub and Capital One, focused on driving growth in consumer lending.

Colleagues describe him as one of the brightest people theyve worked with, highlighting his strong business acumen and "small business mindset".

He is currently focused on building Indias largest peer-to-peer lending marketplace.

Personality Overview

Fast But Thoughtful

Goal-Oriented

Risk Tolerant

They exhibit a rare combination of being result-oriented but patient at the same time.  They are very professional in their approach and can weigh multiple perspectives together. They might take some time to make their mind up but once they do, they don't change it easily.

Topics They Care About

P2P Lending
As a founder of LiquiLoans, his primary mission is to build the largest peer-to-peer lending marketplace in India, a goal he has explicitly stated.
Credit Risk Strategy
As Chief Risk Officer, his core focus is ensuring resilient growth. He is actively building out his credit risk team to manage this.
Fintech Talent
He frequently posts about hiring 'rockstar' talent for analytics, strategy, and credit risk roles to support the company's rapid expansion.

Media Appearances

Niraj has no verified media appearances

Work History

3-2019
Founding Member & Chief Risk Officer at LiquiLoans
9-2018 - 3-2019
Senior Director, Head of Credit Risk & Pricing for Secured Lending at LendingClub
4-2018 - 9-2018
Director Credit Risk & Pricing, Auto Loans at LendingClub
9-2017 - 4-2018
Director Credit Risk & Pricing, Unsecured Loans at LendingClub
7-2015 - 2-2016
Senior Business Manager at Capital One

Education

2009 - 2011
PGDM from Indian Institute of Management, Calcutta
2005 - 2009
B.Tech. from Indian Institute of Technology, Guwahati

More Information

Social Presence :

Prographics :

Exp : 11 Location : Mumbai, Maharashtra, India Job Level : Leadership Designation : Founding Member & Chief Risk Officer at LiquiLoans
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Insights For Selling To Niraj

During A Call Or A Meeting

DO's

  • Use phrases like 'your team deserves', 'best in class' etc.
  • Focus on the results that your product produces, expect some strategic questions in return
  • You can spend time on BANT (or other qualification methodology) but keep it to the point

DONT's

  • Don't focus too much on mutual contacts or bother about other stakeholders, focus on them
  • Don't get into pricing discussions early on, steer conversation towards proven results
  • Don't take their patience for granted, avoid long-winding sermons

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Niraj is

  • Strong proof of impact and their conviction will matter the most, but they wouldn't want to act unilaterally either
  • Will you ever get a clear answer from Niraj

  • They will say no if they are not convinced but you will have to prompt them.

Insights For Deal Planning

    How fast (or slow) will Niraj move?

  • They will want to understand things well but can move fast once they have a clear picture.
  • Can Niraj take some risk or not?

  • They have good risk tolerance but are likely to think it through once or twice.

You And Niraj

Personality Compatibility


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