Institutional rigour meets modern fintech agility.
CA Neeraj Daultani is a senior credit risk leader with over 11 years of experience designing and managing credit architectures for scaling fintech platforms, banks, and corporate treasury operations.
Underwriting models are often treated as static documents—policies that sit in PDFs while developers code separate rule pathways. Neeraj operates at the intersection of credit strategy and rule engine architecture, ensuring policy intent is translated directly into clean Business Rules Engine (BRE) logic.
A Chartered Accountant by training, Neeraj began his career auditing credit risk frameworks inside institutional banks. Recognizing the transition of credit to real-time APIs, he specializes in building dynamic exclude structures, API fallback loops, and risk tiering matrices for early-stage digital lenders.
Core Expertise
Building Risk Functions & BRE Systems
Developing custom underwriting rules, exclusion paths, and Business Rules Engine setups.
AI & Credit Policy Alignment
Integrating credit frameworks with automated decisioning and alternative data validations.
Portfolio Feedback Loop (EWS)
Deploying analytical early warning signal indicators to manage delinquency before it builds.
Lender Partnerships
Structuring co-lending terms, First Loss Default Guarantees, and bank/NBFC operations.
Portfolio Management
Overseeing credit exposure limits, risk allocations, and active concentration thresholds.
Debt Capital Markets
Sourcing and syndicating institutional debt lines, securitizations, and treasury audits.
Financial Planning & Cash Flows
Creating multi-scenario models to project cash balances and operational spend controls.
Virtual CFO Services
Delivering board-ready fractional finance advisory, tax guidelines, and statutory audits.
Professional Experience & Milestones
Independent Consultant — Risk & Finance
Advisor to NBFCs, Fintechs & Lending Businesses
Directing credit risk frameworks, Business Rules Engine (BRE) architectures, portfolio management, AI policy alignment, and Early Warning Signals (EWS). Also providing Fractional CFO services covering cash flow management, fundraising, capital strategy, and financial reporting.
Senior Director — Finance & Risk
HealthCred
Designed, built, and scaled the entire finance and risk domains from scratch for high-growth healthcare financing.
AVP — Finance & Risk
SaaSPay
Managed strategic credit assessment, structured lending partnerships, led lender integrations, and oversaw financial management operations.
Risk and Credit Lead / Business Intelligence
udaan.com
Led credit and risk policies for regional portfolio underwriting. Previously oversaw Business Intelligence and BIM modeling to optimize risk analytics.
Area Credit Head
axio (formerly Capital Float)
Managed borrower sanctioning, underwriting operations, and credit quality guidelines for the entire Pune Hub and Rest of Maharashtra (ROM) region.
Credit Manager
Religare
Conducted credit risk assessments for SME secured & unsecured loans. Drove policy and workflow improvements to elevate portfolio quality.
Education & Credentials
The Institute of Chartered Accountants of India (ICAI)
Chartered Accountant (CA)
Specialization in Audit & Assurance, tax systems, and corporate accounting.
Ready to optimize your underwriting system?
Secure a time on Neeraj's calendar to audit your credit policy, review BRE logic, or explore fractional CFO advisory retainers.