Vaibhav Bhatt

Vaibhav Bhatt is an experienced financial professional currently serving as the Head of Bank Products at Pagaya since February 2024, where responsibilities include leading product design and development for personal and auto loans as well as Point-of-Sale options. Prior to this, Vaibhav held multiple senior roles at Citi from May 2019 to March 2024, including Head of Analytics for Digital, Media and Merchant Networks, focusing on strategic analytics for US Card and Retail Bank, and Head of Analytic Capabilities & Data Strategy, overseeing global data partnerships and modeling workflows. Vaibhav's earlier career includes significant positions at Discover Financial Services from February 2008 to March 2019, where Vaibhav led credit strategy for student loans and implemented big-data strategies across various lending products. Vaibhav's foundation in economics comes from the Delhi School of Economics and Delhi University, complementing a robust history in risk management and analytics within the financial services sector.