Ragini Jain Email & Phone Number

Berlin, Germany

Berlin, Germany

- Develop customer-level default rate prediction models for Klarna Card employing a range of machine learning algorithms. Responsible for the complete modeling lifecycle, from initial data collection to successful deployment and continuous monitoring of the model.- Delivered a significant performance improvement, with a gain of roughly 50% over the previous model in one of the key European Market, thereby substantially boosting efficiency.- Worked on developing an LLM based support bot… Show more - Develop customer-level default rate prediction models for Klarna Card employing a range of machine learning algorithms. Responsible for the complete modeling lifecycle, from initial data collection to successful deployment and continuous monitoring of the model.- Delivered a significant performance improvement, with a gain of roughly 50% over the previous model in one of the key European Market, thereby substantially boosting efficiency.- Worked on developing an LLM based support bot to assist the customer support team in resolving payment-related queries, enhancing customer service efficiency. Show less

Warsaw, Mazowieckie, Poland

Bengaluru, Karnataka, India

IFRS-9 Model DevelopmentDeveloped end to end predictive credit risk models for estimating expected loss in retail banking portfolios by calculating segment level PD, LGD and EADStress Testing Model DevelopmentDeveloped stress testing models in line with the scenarios provided by regulators to incorporate the impact of macroeconomic conditions on the expected lossesBuilt multiple champion and challenger regression models to predict the future default rates of the portfolios… Show more IFRS-9 Model DevelopmentDeveloped end to end predictive credit risk models for estimating expected loss in retail banking portfolios by calculating segment level PD, LGD and EADStress Testing Model DevelopmentDeveloped stress testing models in line with the scenarios provided by regulators to incorporate the impact of macroeconomic conditions on the expected lossesBuilt multiple champion and challenger regression models to predict the future default rates of the portfolios with an overall MAPE of less than 25%Pre-emptive Risk Identification ModelWorked on developing a framework to devise techniques to create an early warning-sign model for the risky customers during the covid-19 pandemic Analyzed and shortlisted the relevant data fields to provide external/ behavioral factors impacting customer’s riskiness from unstructured data sources1-Click Automation ProjectCreated a SAS based automation project of the end to end IFRS9 Modeling process and reduced the 2 month long model development process time by ~25%MentorshipTrained and mentored new joiners and on boarded them successfully for different team requirements Show less

Bengaluru, Karnataka, India

Bangalore

Build loss impairment and provisioning models using SAS to estimate the Expected Credit Losses as per the IFRS9 standards for various HSBC retail banking portfolios like Mortgages, Credit Cards, Personal Loans, Vehicle finance and Overdraft productsUse techniques like Decision tree (CHAID) , Regression, IV analysis and Chain ladder stitching method to develop the IFRS9 models involving the PD, LGD and ECL calculationsBuild stress testing models to incorporate the impact of… Show more Build loss impairment and provisioning models using SAS to estimate the Expected Credit Losses as per the IFRS9 standards for various HSBC retail banking portfolios like Mortgages, Credit Cards, Personal Loans, Vehicle finance and Overdraft productsUse techniques like Decision tree (CHAID) , Regression, IV analysis and Chain ladder stitching method to develop the IFRS9 models involving the PD, LGD and ECL calculationsBuild stress testing models to incorporate the impact of various macroeconomic variables on the current IFRS9 model and also to predict the model behaviour in future scenariosAnalyze data using various statistical techniques to understand the reasons for the observed data trends and to highlight the implications of the same to the respective regional headsSupport the data queries from the internal reviewing team and outside auditors for successful implementation of the modelConduct research at regional level and come up with explanations for the observed data trends to allocate appropriate risk for each segment. Show less

New Delhi Area, India

● Worked towards the prospects of business development in various growth adjacencies and expanded company’s reach by getting big clients onboard● Conducted an in-depth market research for smart parking solutions at events and analysed the existing parking scenario in corporate parks by working closely with the managers and the parking executives● Made presentation to various clients on behalf of the company, to get them onboard for using the corporate parking product

Master Of Business Administration (Mba), Business Administration And Management, General

Master Of Business Administration (M.B.A.), Business Administration And Management, General, 8.06

Activities and Societies: Student Councillor (Represented MBA students in Students Affair Council, IIT Madras) Member of the Placement.

Bachelor Of Engineering (B.E.)(Honours), Biomedical/Medical Engineering

Activities and Societies: Sports Representative for my Branch Organized an event named Technotryst in our Annual Fest AAyam 2K12

Education record