Pradeep Nagar Email & Phone Number

Irving, Tx, Us

~~~~~~~~~~~~~~~~~~~~~~🎯Rocktop Technologies LLC is a data analytics firm adding value to consumer finance pool performance by providing AI-based improvement and portfolio mitigation algorithms. Rocktop partnered with Mortgage Assets Management, providing synergies from machine learning skills and operational knowledge of customer portfolio performances.- Led FPNA processes, variance explanations, reporting and cross-functional collaboration to improve predictability of forecasts, financial strategies and scenarios- Assisted and interacted with controllers' teams to implement BD5 financial close- Implemented predictive forecasting of cash flows and balance sheets- Treasury management, expansion of banking relationships, payment software implementation and operational improvements.- Process improvement and controls implementation around MSR Valuation and Investor Reporting.- Completed ad-hoc projects & implementation.

Spartanburg, South Carolina, Us

~~~~~~~~~~~~~~~~~~~~~~🎯American Credit, a part of the diverse Johnson Group, is in emergent consumer lending❖ Tasked with setting up Best-In-Class Analytics Program for a growing firm, to cause substantive increase in sophistication of analytics and data process control. ❖ Supervised team to build processes and tools to assist CFO in decision making❖ Handled portfolio and business strategy, and designed dashboards and models for ALM, tax valuations and ALLL/CECL❖ Directed creation of a bottom up Strategic Planning / Budget application that built from vintage level, interpolated pricing assumptions by creating timing, estimated GAAP-based profitability by calendar periods and produced performance variances to pricing assumptions

Dallas, Tx, Us

~~~~~~~~~~~~~~~~~~~~~~🎯Santander Consumer, a PE firm, offered IPO in 2014. It has $40B in assets through auto lending and partnerships in fintech / retail cards.❖ Set up analytics infrastructure to track mutual compliance of Private Label Financing contract with Chrysler and monitor financial performance of relationship that contributed to $300 million in yearly profits❖ Successfully implemented an efficient budgeting process for $40 Billion in Asset base, with accountability to parent bank entity and other stakeholders.❖ Led team to facilitate portfolio strategy, optimization and value maximization to arrive at ongoing business choices for a $800 million net income firm.❖ Supervised adherence to disclosures, KPIs and reporting requirements post-IPO. Prepared C-Suite for earning calls and Investor Relations for Wall Street interactions.❖ Handled projects related to decision-chain process controls, model risk management, set up of risk appetites, and compliance with regulator requirements.

New York, New York, Us

~~~~~~~~~~~~~~~~~~~~~~🎯Citigroup is a global bank with $2 trillion in worldwide assets.❖ Implemented a bulk purchase program, to grow consumer lending portfolio by $1Bn in 2 years, strongly contributing to profits❖ Led team through financial aspects of M&A/Divestiture of auto finance, personal loans and student loans portfolios. Supervised consolidation team post-sale to maximize value of leftover assets, analyze retain-vs-sale and ensure cost efficiencies❖ Tracked outsourced activities, portfolio analytics, settlements, and servicing performance per SLA/TSA❖ Performed Budgeting and Planning for car finance, personal loans, mortgages and student loans❖ Improved Asset-liability match of consumer assets and increased net margin by 20-50bps by replacing vanilla bullet debt with an optimal choice of 6 tenor strip❖ Established and operated Transfer Pricing for monthly transfer of $100mm consumer assets across Citi affiliates, providing customers with favorable tools to overcome temporary difficulties and allowing them to stay in homes/retain cars longer❖ Designed specific Loan loss reserve mechanism for troubled debt under FAS114, as supplement to general FAS5 reserves

Master Of Business Administration, Finance, Risk Management

Bachelor Of Technology, Electronics Engineering