Pranesh Ram Email & Phone Number

Toronto, On, Ca

• Provide leadership on credit card strategies • Credit Limit Increase and Decrease strategies• Actively manage private label credit card portfolio and assisting development of GPCC• Support and develop automated credit adjudication strategies• Manage full ownership of deliverables and accountable for results• Developed Cash Advance product for subprime, $2MM growth in receivable in a test month• Implemented sub risk rating model, increased approval rate by 200pbs• Identified risky segment and reduced early delinquency by 600bps

Cambridge , Ontario, Ca

Designed, developed, and implemented Installment loan product. Funded over $400MM• Developed originations decision engine for Installment loan in Prime and Subprime sector• Improved Payday loan scoring model. Increased loan funding by 20%• Developed online business for Payday and Installment loans including numerous technology stacks• Partnered with Private Equity firm for $100M investment• Prepare and communicate full investor package• Monthly Borrowing Base preparation and review with investors• Introduced Refinance Installment loan. Funded over $260MM• Developed MIS for internal and external reporting• Enterprise Risk Management and Compliance framework• Manage Risk, HR, Finance, Adjudicators, and Technology both onshore and offshore• Implemented loan insurance product. $6MM revenue within first year• Marketing and customer acquisition strategies• Redesigning point of sale system for installment loan• Developed various collections and restructure/loan modifications strategies and programs

Toronto, Ontario, Ca

Portfolio Management:• Manage credit card portfolio from acquisition to provision and collection• Developed and successfully implemented numerous acquisition strategies• Worked with external vendors/partners to auto adjudicate credit applications• Developed scorecard for internal and external adjudication• Developed scorecard matrix for cross selling and new acquisition• Implemented Credit Limit Increase strategiesProject Management:• Successfully implemented credit card acquisition framework where application is taken at the store and adjudicated instantly • Developed credit card scorecard for adjudication and line management strategies• Direct deposit framework where funds are deposited into clients account upon request to grow the receivables• Developing framework for Installment credit/loan on credit card Risk/Finance Function:• Framework for risk reporting - developed and manage database for risk analytics• Reporting structure for credit committee • Enterprise Risk Management reporting• Developed loan loss provision framework, Roll Rate Model, IFRS9 project• Work with internal and external collections agencies to manage provision for credit loss• Responsible for full financial statement of credit card portfolioMonthly/Quarterly Reporting:• Presenting monthly results - portfolio trends and losses• Preparing Monthly and Quarterly dashboard reporting• Monitoring exceptions reporting for audit and compliance• Preparing reporting package for OSFI

Toronto, Ontario, Ca

Risk/Finance Function:• End-to-End management (Campaigns, Adjudications, Provisioning, and Collections)• Developed strategy and initiatives for Campaigns• Assisted Adjudication by reviewing scorecards• Developing new scorecards for adjudication• Developing new scorecard for behavior score-BASEL requirement• Enterprise Risk Management Framework for Business Banking• Provisioning policies• Reviewing and developing collections initiatives• Audit contactMonthly/Quarterly Reporting:• Quarterly Loan loss provision package• Monthly and Quarterly dashboard reporting• Presenting portfolio trends to business partners • Assist Adjudication by reviewing scorecards• Reports for OSFI• Monthly/Quarterly portfolio growth and provision forecast

Toronto, Ontario, Ca

Risk/Finance Function:• Managing risk and provisioning for retail credit products (Credit Cards, Mortgages, Credit Lines, Auto Loans and Personal Loans) • Developed and standardize loan loss provision reporting• Developed Roll Rate Model for credit risk forecasting• Developed policies for Credit Risk• Managed on-going design and development of key financial and non-financial metrics• Liaison with the sites to keep up to date on any local trends that may affect future provisioning • Oversee the integration of acquired portfolios/banks into the regular reporting process• Communicate trends and early warming indicators for key drivers of provision expense to managementMonthly/Quarterly Reporting:• Update Roll Rate Model for retail credit products• Prepare monthly provision report • Conduct monthly presentations at retail lending departmental meeting to update direction of losses for the retail portfolio• Prepare and present Monthly and Quarterly loss to senior executive managementPlanning:• Develop Profit Plan targets for Provisioning using credit risk metrics and working with countries in developing a reasonable and sound plan• Influence profit plan (PCL -provision for credit losses) by negotiating expense targets with the • Update plan forecast for each country by conducting portfolio credit quality reviewsDue Diligence/Audit:• Worked with Mergers and Acquisitions team to evaluate acquisition of Columbian bank Colpatria and Credito Familiar Bank in Mexico• Build Roll Rate Model to forecast future losses• Audit reporting and reconciliation process of all the countriesRegulatory:• Quarterly OSFI reports to track reserves, provisions, non-accruals, and delinquencies• Worked with International regulators for compliance reporting• Work with Basel team to develop models • Assist Basel group with LGD, PD, and EAD reports

Oakville, Ontario, Ca

Risk Function:• Portfolio Analytics-review Genworth portfolio on a monthly basis by monitoring delinquencies, claims, losses, funding and commitments• Using Conference Board of Canada data and other external research to update models• Setup risk controls to monitor portfolio performance and adjust controls as required by the economic environment• Review business impact due to policy change (to mitigate risk)• Developed process which identifies early delinquency and potential work-out• Operational Efficiency-automated many reports which used to take hours to compose• Developed Risk Scorecard which is used for acquisition• OSFI report for portfolio review which is headed by the Chief Risk Officer• Part of a team which reviews internal audit process and new reportsFinance Function:• Review financial metrics with Chief Financial Officer on monthly basis• Responsible for weekly and monthly dashboard reporting • Develop/track and report Key Performance Metrics to senior executive team• Setup financial controls to monitor portfolio performance and work with Chief Financial Officer to develop new metrics for monthly tracking• Securitization analysis- review of all certificates for losses and delinquencies for bulk dealsBusiness Development (Sales) Function:• Compose portfolio reviews for all lenders on a regular basis which tracks fundings, insured amounts, delinquencies, claims, losses, and applications by such metrics as regions, business source, and products which are then presented to the prospective lenders• Occasionally accompany senior V.P.’s to present results of the portfolio to lenders• Compile sales dashboard report which tracks weekly business• Develop ad-hoc reports to address any lender concerns• Assist in developing forecast model for sales

Toronto, Ontario, Ca

• Support Product Risk Management’s need for complex data analysis and mitigating risk• Collect and analyze data to assist in the development of account management strategies• Develop, Produce, and Analyze specialized and highly iterative Product Risk Management reports• Contribute to improving the effectiveness of data analysis and reporting tools• Analyze the impact of strategic initiatives and place control mechanisms to mitigate risk• Analyze operational results of credit processes and provide recommendations for improvements to enhance efficiency and customer satisfaction• Represented Product Risk Management on various project teams• Liaise with other departments to establish collaborative relationships, provide expertise, and communicate research results• Communication of results to all levels of Card Products Management• Communicating and providing consultative advice regarding risk theories which are very technical and abstract in nature to a non-specialists • Demonstrated ability to conceptualize, research, compile, and present relevant statistics for decision Support• Responsible for the implementation and tracking of Credit Limit and Pricing Strategies• Implemented strategies on TRIAD (a decision making tool)• Daily, Weekly, and Monthly tracking of strategies by pulling data from Mainframe• Analyze trends by using SAS • Created presentations for Vice Presidents and Chief Risk Officer to get approval for strategy roll-outs

Mississauga, Ontario, Ca

• Developed 3 to 5 year plans for Revenue and Margins• Built forecast models for product line• Part of a team which reviews internal audit process• Forecasted Year End Expectancy • Conducted Monthly meetings to explain variance • Analyzed variance to Plan• Analyzed competitive information through market research • Generated various ad hoc reports to help VP’s and senior managers• Produced reports on weekly and Monthly basis• Worked with Sales & Marketing to provide forward-looking analysis• Provided objective assessments of plans to ensure proper utilization of assets• Developed processes to improve performance of the business• Development and enhancement of financial models that integrated revenue assumptions, strategy and realities by market segments• Regularly meeting with Marketing Director, VP, and Product Managers to run scenarios for sales forecast• Monthly and Quarterly revenue reports• Provided financial results for the Balanced Score Card• Researched relevant indicators for revenue and margin projections• Assessed the relevance of any metrics on a regular basis and identified any issues• Summarization of financial results and comparing it to prior periods• Prepared Monthly and Quarterly financial results for presentations

Toronto, Ontario, Ca

• Constructed new reports to assist Top Management in controlling risk• Generated reports on Daily, Weekly, and Monthly basis• Reported directly to Top Management, VP’s and President of Firstline Mortgages• Responsible for Researching, Compiling and Conducing detailed Analysis• Incorporating Moderate Mathematical and Statistical Models• Performed in-depth Analysis of Research information to develop responses and made recommendations to VP’s and Top Management• Analysed Arrears, Power of Sale and Fraud mortgage files• Initiated Foreclosure reports to identify variables associated with default• Compiled reports to track Mortgage Broker performance• Implemented Risk collection Model for collections department• Forecasted Trends for each region • Ran report on daily basis to identify Fraud files• Built Fraud detection system for mortgage underwriters• Worked with a team to develop Quality Assurance process and procedure for Funding Audit• Forecast model to predict actual losses • Implemented Quality Assurance Model to identify level of risk for Mortgages that were funded

Enterprise Risk Management

Cpa, Cma

Master Of Business Administration - Mba, Accounting And Business/Management

Bachelor'S Degree, Economics