Rajesh K Email & Phone Number

Suwanee, GA, US

Alpharetta, Georgia, US

Managing Partner/Co-founder/CEO - AI, Data & Product Executive. Advises CEOs,CFOs and CMO's on AI-driven data transformations, leads AI initiatives and business development, and builds high-performing teams.

Alpharetta, GA, US

• Reported to EVP Products, based in Chandigarh, India and closely collaborated with two EVP of Technology (US, India), CIO, CRO, CMO, CSO, CFO based in Atlanta, COO & CEO based in NY. Responsible for building US Product.
• Built a high performing DEI US product team in Atlanta HQ, consisting of 8 product managers and technical writers.
• Delivered on 2022 revenue and operational KPI’s leading to performance bonus (100%) and commendation letter from CEO.
• Led a very complex M&A Integration of product and technology functions across US and India development teams.
• Launched the Merchant Funding Instant Funding initiative in incremental steps across POC, MVP, MLP and Full Solution.
• Led the financial transformation, enabled SOX compliance, streamlined and improved CAPEX/OPEX ratio reporting.

Seattle, WA, US

• Reported to the Head of Product, Payment Services, based in Seattle. Responsible for leading Amazon Disbursements (Payouts) products strategy and roadmap worldwide with payouts reaching ~$1T, building products and.
• Acted as a Quarter back for "On Amazon Payments" and "Payments Services" Operating Plan for 2022.
• Laid the foundations for disbursements long range plan for enabling FinTech 2030 vision.
• Launched the first real-time payment (RTP) disbursement transactions for Amazon Flex business and 3P Sellers in US.
• Led the product roadmap and evaluate Push to Debit opportunities for faster payments through card rails.
• Closed the Visa-Amazon Acceptance agreement to launch Visa Direct (Push to Debit) pilot across three use cases.

Brookfield, Wisconsin, US

• Reported to the EVP of Product, based in Santa Clara. Responsible for Product Management and strategy for FI Insights (AI/ML) and Analytical products. Developing Card App Dashboard and Reporting to demonstrate the.
• Built the Product Strategy and Analytics Playbook, conducted a thorough competitive research assessment and laid out 30+ product themes and solutions the company can prioritize to build around insights and.
• Built the MVP, Product Strategy roadmap and Product Requirements for Transaction Insights leveraging the basic transaction-level data from Processors and FI’s using Tableau Server and Snowflake pipelines.
• Provided Sales Enablement and analytical support for the “Card App” Product Solution Suite and ROI model.
• Designed the data architecture and product vision behind Consumer Persona's, Preferences and contextual offer strategy by laying out a roadmap using un-supervised machine learning modeling techniques with Tensorflow.
• Assisted the CEO in building the leadership team and business development activities in Atlanta.

Atlanta, GA, US

• Reported to the SVP of Analytics, based in St. Louis. Responsible for leading a matrix global team of Sr. Directors/Analytical Specialists/Analytical Consultants/Statisticians/data analysts in executing on projects and.
• Delivered results supporting ~ $400M+ in sales enablement, Product development, innovation, analytical consulting, data strategy, strategic insights, predictive modeling, development of new use cases for income.
• Led analytics and sales support efforts for multiple customer co-innovation and key client/strategic engagements such as Capital One Credit Card Line Increase Programs, Credit Karma, Barclays Credit Card, American.
• Architect-ed a new product use case for Auto Pricing Optimization and Auto Pricing Index using the TWN Overlays.
• Transformed and led the D360 with USIS/ multi-business units (BU) data assets initiative to overlay EWS data assets with enterprise data assets via strict data governance and implementation roadmap.
• Led key initiatives such as the development of TWN Risk Score POC’s across Auto, Card, Retail and Personal Finance Verticals, leveraging state of the art machine learning tools such as Equifax Advanced Model Engine.

• Founded in 2013, LendLift, set out on a mission to help address the problem with high interest credit card debt by creating a credit card refinancing/payoff marketplace platform for people who do not have prime credit.
• Founded, bootstrapped a start-up and built risk-based products (CCAR, Macro Scorecards), solutions and financial literacy tools.
• Provided strategic vision and leadership for a dynamic and lean FinTech start-up.
• Pivoted from building an online marketplace platform to becoming an enabler in providing risk and data solutions.
• Built the brand, product, online platform, strategic partnerships, technology, risk/financial/marketing strategy
• Key mentions & Conferences: Village Capital FinTech Finalist- Most Innovative Start-ups, Southeast US 2015, TAG FinTech Innovation Award Finalists-2014 & 2015, Venture Atlanta Business Launch -Semi-Finalists 2015, TAG.

San Francisco, California, US

• Reported to the SVP of Analytics, based in Charlotte. Responsible for analyzing credit risk performance of the consumer and small business card portfolios, evaluating existing credit exposure management strategies for.
• Executed monthly loss forecasts (CCAR), allowances, TDR’s, stress tests for Wells Fargo portfolios ($16B receivables).
• Executed BASEL II forecasts (PD, LGD, EAD) under various stressed scenarios.
• Advised C-level audience on portfolio delinquency trends and macroeconomic impact on credit losses.
• Executed customer selection forecasts for Wholesale, Wealth, Brokerage and Retirement business lines.
• Promoted twice and received two recognition awards from Chief Risk Officer.

Charlotte, NC, US

• Reported to the SVP of Model Governance, based in Charlotte. Responsible for Independent Model Validations. 100% time spent on Independent Model Validations, Roll Rate Calculations for Mortgages, Consumer Deposits.
• Construct Independent Validation for Consumer and Small Business Deposits provision loss forecasting model.
• Reviewed the forecast models that predict Over Draft Hard $ amount & Over Draft Fee Amount through 180 day pipeline.
• Conducted documentation and methodology review for deposits credit loss forecasting model.
• Created performance assessment templates for backtesting and RMSE calculations.
• Conducted performance assessment for Provision Loss amount, Overdraft balance per account, Overdraft balance & cure rates. Model Independent Validation: First Lien Mortgage Credit Loss Forecasting:

London, GB

• Reported to Director of Finance. Responsibilities for Financial Analyst included leading financial planning and analysis,, providing financial and technical expertise on projects requiring moderately complex financial.
• Spearheaded the design for “OPTIMAX strategy – Marketing strategy based on response and revenue drivers”. Generated Incremental lead pool of 2MM+ for ES product targeting. Derived NPV’s by response segments to manage.

London, GB

• Reported VP of Risk/Marketing Analytics. Responsibilities included leading cross-sell risk and marketing analytics for product & channel marketing teams (50+ members) with $800 MM+ Gross Revenue for fee based products.
• Led the M&A and Integration of Risk Analytics functions of an acquired portfolio (Metris, $8B in receivables).Predictive Modeling:
• Managed the predictive modeling, product analytics and marketing strategy for 30+ cross sell product acquisitions.
• Built credit protection combo and custom response models for prime and non-prime portfolios. 33% improvement in Telemarketing strategy when compared to the existing models.
• Developed the Third party product (Supplemental Insurance) marketing strategy and optimization.
• Owned and supervised the development of 15+ response and revenue model scorecards, model inventory management, scorecard development automation, model validations (In-time & out–time) & compliance approvals.

London, GB

• Reported to the SVP of Risk Analytics. Responsible for Risk Management functions including portfolio management, predictive modeling and other analytical functionalities using complex databases and building strategies.
• Managed the risk acquisition strategies for GMAC/RDR channels (GM Owners ~ $2B in receivables).
• Performed card retention and profitability model validations for OCC audits
• Developed the HSBC SAS 360* audit tool for Metro2 bureau reporting for the charge-off accounts and resolved Metro2 bureau reporting issues across Card Portfolios. Corrected the credit reports for 5M+ customers.
• Built credit protection combo and custom response models for prime and non-prime portfolios. The new predictive models showed up to 33% improvement in Telemarketing strategy when compared to the existing models. KS.

Global Executive Mba, Finance, Economics, Strategy

Artificial Intelligence

Global Executive Mba, Finance, Economics, Strategy

Ms, Industrial Engineering - Manufacturing, Supply Chain, Operations, Quantitative Analysis

B.Tech, Industrial Engineering - Manufacturing, Production, Operations Research