Raj Sarkar

Raj Sarkar currently serves as Vice President of Credit and Risk at Pointo since July 2025. Prior to this role, Raj held the position of General Manager - Risk Management at VidyutTech from February 2023 to November 2025, and Associate Vice President - Risk Monitoring at Northern Arc Capital for a brief time in August 2022. Raj's experience also includes a role as Credit Risk Specialist at Hero FinCorp, specializing in digital risk management and customer onboarding processes, and various positions at InCred Financial Services, IndusInd Bank, and XL Dynamics India Pvt. Ltd., focusing on credit assessment, underwriting, and risk management. Raj holds an MBA in Finance from Sinhgad Institute of Business Administration and Computer Application and a BBM from Andhra University GVP Degree College.