Ananth Mekala Email & Phone Number

Bangalore

Worked as Risk Manager and SME for the existing customer lending portfolio, where I lead a team of 7 analysts and senior analysts across tactical and strategic measures on the portfolio.Was responsible for actions on key customer attributes like product eligibility, credit limit, price and term for 150,000 customersKey Strategic measures: Built a framework to periodically assess customer terms and product eligibility, automatically allocating positive and adverse actions… Show more Worked as Risk Manager and SME for the existing customer lending portfolio, where I lead a team of 7 analysts and senior analysts across tactical and strategic measures on the portfolio.Was responsible for actions on key customer attributes like product eligibility, credit limit, price and term for 150,000 customersKey Strategic measures: Built a framework to periodically assess customer terms and product eligibility, automatically allocating positive and adverse actions on customers. Built volatility rules around aforementioned framework to balance between customer experience and customer risk. Built a debt and revenue based framework to better assess customer ability to pay and manage exposure. Built a be-spoke machine learning model and associated framework on high credit risk segments to target customers for specific adverse actions. Built and implemented emergency 'stress scenario' risk policies to mitigate exposure during the 2020 COVID-19 recession.Key Tactical measures: Design, implement and assess price campaigns on customer subsets to induce cash out, while balancing gross margin Induce activation from sub sets of never borrowed customers through line, price, term campaigns. Manage exposure from at-risk existing customers through Line, price and term Re-adjustments. Designed a credit policy to accelerate customer borrowing from existing customer book, in order to propel the company towards the cash-out goals for the year. Show less

Bangalore

Worked as a lead in the in-house analytics team to conceptualize, design and complete projects supporting underwriting, acquisition, risk, process automation and optimization.Major projects that I have worked upon are:Underwriting and Risk:Developed and calibrated a risk score using CIBIL bureau data to predict probability of a customer to default.Automation:Conceptualized, designed and coded Capital Float's decision engine to automatically assess case risk and… Show more Worked as a lead in the in-house analytics team to conceptualize, design and complete projects supporting underwriting, acquisition, risk, process automation and optimization.Major projects that I have worked upon are:Underwriting and Risk:Developed and calibrated a risk score using CIBIL bureau data to predict probability of a customer to default.Automation:Conceptualized, designed and coded Capital Float's decision engine to automatically assess case risk and allocate products and product terms per case without human intervention.Design emphasis was placed on scale, quick policy switching, facilitation of dynamic policies and Automated A-B testing with a test pool.This project took 75% of the overall underwriting load, thus massively reduced the underwriter staff requirement.Experimentation:Explored bank statement and SMS data and built models to mine features from the data.Conceptualized and built an underwriting framework which reads banking data and assesses case risk using features mined above.Resource Allocation:Developed and implemented a framework to allocate leads to sales representative which takes into account the existing pool, with a new pool of incoming leads and allocates them to sales representatives.Process Optimization:Analyzed the overall end to end lending process of the company to identify bottleneck stepsOptimized the bottleneck processes to reduce 75 percentile TATBuilt MIS systems to monitor the 75 percentile TAT and overall TAT per lead across departments to support VPs and heads to gauge and optimize their team performance Support:Built policies and decision frameworks to automatically underwrite small ticket loans. The frameworks along with the necessary APIs managed to disburse a loan in 10 seconds. Show less

Bangalore

Handled projects across the domains of Consumer Packaged Goods(CPG), Sub-Prime Lending, e-commerce, Logistics and Supply Chain. As part of this role, I have to maintain a rapport with the stakeholders and gather project requirements, provide actionable insights to various stakeholders, conceptualize overall end to end process, lead and train analysts to delivery along with communication and management of escalations:Consumer Packaged Goods: Built and maintained a data warehouse… Show more Handled projects across the domains of Consumer Packaged Goods(CPG), Sub-Prime Lending, e-commerce, Logistics and Supply Chain. As part of this role, I have to maintain a rapport with the stakeholders and gather project requirements, provide actionable insights to various stakeholders, conceptualize overall end to end process, lead and train analysts to delivery along with communication and management of escalations:Consumer Packaged Goods: Built and maintained a data warehouse collecting syndicated data of the client's business. Regularly published analytical reports and conceptualized and ran models using the data warehouseLogistics and Supply Chain:Built Price elasticity models using multiple regression, to capture the effects of price variation on sales volume. These short term models helped the stakeholders make effective pricing decisions, gauge the effectiveness of its discounts, and also the effect of competition on demande-commerce:Conceptualized and built a carrier claims reconciliation platform which requires minimal user intervention. Built reports to isolate carrier losses and slice them across multiple dimensions. Built linear regression models to isolate the optimum COD cap for each province in the country. Identified potential fraud cases amounting to a total of INR 6 million. Identified gaps in the clients package tracking mechanism which have a collective package turnover of approx. INR 2 million per monthSoftware and Product Development: Developed dashboards which track and predict different types of bugs in the client's operating system. Also, conceptualized and completely automated the client's financial reporting solution for global sales, from end to end Show less

India

Bengaluru Area, India

Took ownership of end to end consulting of client's business, inclusive of process gap identification, conceptualization of solutions to cover the same, detailed dynamic reporting and implementation of the same.

Vadodara Area, India