Sonal Raj Email

Deputy Vice President - Risk @ Cashpor Micro Credit

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Sonal Raj Location

Varanasi, UP, IN

Sonal Raj Work

Deputy Vice President - Risk @ (September 2026 - Present)
Senior Operations Associate @ (November 2025 - January 2026)
Operations Associate @ (March 2024 - October 2025)
Area Credit Manager - Retail Assets @ (May 2019 - September 2022)
Credit Manager - Retail Assets @ (September 2017 - April 2019)
Relationship Manager - Personal Loans @ (September 2016 - August 2017)
Product Manager - Gold Loans @ (June 2013 - August 2016)
Intern @ Reserve Bank of India (RBI) (May 2012 - June 2012)

Sonal Raj Education

University of Exeter
MSc Financial Technology (FinTech)
2022-2023
Symbiosis School of Banking and Finance Pune (Official)
Master of Business Administration - Banking Management (MBA)
2011-2013
Symbiosis Institute of Computer Studies and Research
Bachelor of Business Administration- Information Technology (BBA-IT)
2008-2011

Sonal Raj Skills

Agile Methodologies
Architecture of Digital Wallets
Automated Market Makers
Banking
Business Intelligence (BI)
Business Model of Card Networks
Capital Expenditures
Card Network Economics
Card Network Stakeholders
Card Payment Security Innovations
Card Processing Challenges
Cash Flow Forecasting
Challenges in Fintech Regulations
Checking System
Collateralized and Flash Loans
Consensus Mechanisms
Consumer Behavior
Creating Dashboards
Credit Analysis
Credit Analysis for Product Pricing & Structuring
Credit Card Security Innovations
Credit Card Transaction Processing
Credit Default vs Credit Deterioration
Credit Exposure Types
Credit Management
Credit Portfolio Management
Credit Rating in Probability of Default Estimation
Credit Underwriting
Credit/ Debit Card Processing
Critical Financial Ratios
Customer Engagement
Customer Insight
Data Analysis
Data Import/ Export
Data Storytelling
Data-driven Decision Making
DeFi Myths and Facts
Design Thinking
Digital Wallet Mechanisms
Electronic Fund Transfer System
Emerging Technologies
FinTech Regulations and Regulatory Sandboxes
Financial Regulations
Financial Statement Analysis
Forecasting Financial Statements
Fungible and Non Fungible Tokens (NFTs)
Impact of Fiancial Regulations and Shadow Banking
Innovations in Financial Services
Interactive Data Visualization
Key Performance Indicators
Management Information Systems (MIS)
Market Indicators and Credit models
MetaMask Wallet
Minting and Burning
Mobile Based Payment Structures
Origin of Blockchain and Cryptocurrency
Payment Ecosystem
Payment Security Innovations
Payments Ecosystem Analysis
Paytech in Developing Markets
Problems DeFi solves
Product Development
Product Innovation
Product Lifecycle Management
Product Management
Proof of Work and Hashing
Proof of Work vs Proof of Stake
Pure Digital Wallets
Raising Long-term Financing
Ratio Analysis
Regulatory Sandbox
Retail assets
Risk Mitigation Techniques
Robo Advisors and Consumer Behavior Analysis
Short-term and Long-term Financial Planning
Single Exposure and Portfolio Expected Loss
Smart Contracts and Tokenization
Social Network Based Payment Operations
Social Network Based Payments
Stakeholder Engagement
Time Value of Money
Transaction Mechanics
Unexpected Loss for Bank Capital Requirements

Sonal Raj Summary

Sonal Raj, based in Varanasi, UP, IN, is currently a Deputy Vice President - Risk at Cashpor Micro Credit. Sonal Raj brings experience from previous roles at Hargreaves Lansdown and ICICI Bank. Sonal Raj holds a 2022 - 2023 MSc Financial Technology (FinTech) @ University of Exeter. With a robust skill set that includes Agile Methodologies, Architecture of Digital Wallets, Automated Market Makers, Banking, Business Intelligence (BI) and more. Sonal Raj has 1 emails on RocketReach.

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