Sandeep Holiyachi

Sandeep Holiyachi is an experienced professional in credit strategy and analytics, currently serving as Associate Director at Carvana since November 2021. Previously, Sandeep held several significant roles at JPMorgan Chase & Co., including Vice President of Portfolio Management and Vice President of Acquisition, where expertise was applied in managing credit risk and developing acquisition strategies for small business credit cards. Additionally, Sandeep's experience includes working as a Predictive Modeler at Equifax, focusing on underwriting strategies for personal loans, and serving as a Financial Research Assistant at Oklahoma State University, enhancing budget planning and data analysis processes. Sandeep began a career in technology as a Software Engineer at NTT DATA Americas. Academic qualifications include a Master's degree in Management Information Systems from Oklahoma State University and a Bachelor's degree in Electronics & Computer Engineering from Visvesvaraya Technological University.