Fintech firm PayZen announced the appointment of Chiranjib Gupta as the company’s first chief risk officer.

In this newly created role, Gupta will lead credit risk and data science for PayZen and will help advance the company’s mission by building machine learning capabilities.

Gupta joins PayZen from Goldman Sachs. He has more than two decades of experience in consumer finance, where he led efforts to develop artificial intelligence and machine learning models and optimization routines.

He led the management of data science and decision platforms, credit risk management, loss forecasting, risk appetite, and marketing analytics across tenures at Goldman Sachs, JPMorgan Chase, Discover, American Express, and others.

Most recently, Gupta was head of data science for Marcus by Goldman Sachs for its card and personal loan products. While there, he also managed the credit and transaction decision platforms for all Marcus products.