Kartik Hambardikar

Kartik H. is an accomplished finance professional with extensive experience in credit risk management and data science. Currently serving as Vice President at Goldman Sachs since February 2024, Kartik previously held the position of Senior Manager - Credit Risk at RBC from October 2020 to February 2024, where oversight of collections portfolios and the introduction of Value-at-Risk strategies were key responsibilities. Kartik's career includes roles as Risk Manager at Scotiabank, where impactful models for payment prediction and collections strategies were developed, and Assistant Manager at Tata Consultancy Services, focusing on Basel III compliance. Additionally, Kartik has held analyst positions at American Express and Aspect Ratio Data, and completed internships at Milliman, Indian Institute of Technology Madras, University of Surrey, and Computational Research Laboratories. Educational qualifications include a PGDM in Finance from the Indian Institute of Management, Indore, and a Master's degree in Mathematics from the Indian Institute of Technology, Madras.