Raktim Mitra

Raktim Mitra serves as the Chief Lending Officer and Head of Lending at Varo Bank since January 2022. Prior experience includes roles as Sr. Director at Carvana, Vice President of Credit Risk Strategy for Apple Card at Goldman Sachs, and Director and Head of Credit Risk for small business at Lending Club, among others. Mitra has extensive expertise in managing credit risk strategies, leading decision science teams, and developing underwriting models, with notable achievements in optimizing loan review economics and increasing accessible capital for underserved businesses. Educational qualifications include a B.Tech in Mechanical Engineering from National Institute of Technology Karnataka and an MS in Industrial & Systems Engineering from Virginia Tech.