Decoding the Future of Credit: ATLAS SkillTech University Hosts Masterclass with Experian India’s Manish Jain

Understanding the New Credit Ecosystem

ATLAS SkillTech University recently hosted an engaging masterclass on “Credit Risk Landscape” for its management students, led by Mr. Manish Jain, Country Managing Director, India – Experian India, in conversation with Mr. Bineet Desai, Head – Finance at ATLAS ISME.

The session offered a deep dive into the rapidly evolving credit ecosystem, where artificial intelligence and alternative data are transforming how financial decisions are made. Drawing on real-world insights, Mr. Jain explained how data sources such as UPI, Aadhaar, credit bureaus and digital footprints are enabling faster, more accurate and inclusive credit assessments.

“We are moving towards a real-time, AI-driven credit ecosystem where data is the backbone of every decision.”

He emphasised the three core pillars of creditworthiness – Capacity, Intent and Personality as critical to understanding borrower behavior and strengthening risk assessment frameworks.

AI, Data, and the Future of Risk Assessment

A key highlight of the masterclass was the evolution of credit bureaus into agile, digital platforms powered by AI. Students gained valuable perspective on how India’s robust digital infrastructure is accelerating financial innovation and redefining risk management practices.

Building a Future-Ready Mindset

Beyond technical knowledge, the session focused on building a future-ready mindset. Mr. Jain encouraged students to cultivate curiosity, embrace failure as a learning tool and continuously upskill in data analytics and AI.

“In today’s world, it’s about combining hard work with smart thinking and the ability to create unique solutions.”

He also underscored the importance of networking and humility in long-term career growth.

“The power of networks often opens doors that are not visible. And no matter how successful you become, humility will always be your greatest strength.”

Leadership in a Changing World

The discussion further explored the realities of leadership – its challenges, responsibilities and the need for a 360-degree perspective.

“Leadership can be lonely at times, but it demands that you work harder, think deeper, and always put people first.”

This masterclass reflects ATLAS SkillTech University’s commitment to bridging academic learning with industry insights, equipping students with both the knowledge and mindset needed to thrive in a dynamic, technology-driven financial landscape.