Rajith Nair

Rajith Nair Email and Phone Number

Credit Strategy | Portfolio Risk Management | Fintech | Lending @ Oportun
Rajith Nair's Location
Bengaluru, Karnataka, India, India
Rajith Nair's Contact Details

Rajith Nair personal email

n/a
About Rajith Nair

Results-driven risk professional with a decade of expertise in data science, AI/ML, and risk management. Adept at implementing impactful solutions, I excel in developing and deploying credit risk models, optimizing underwriting policies, and enhancing portfolio health for financial organizations. Proficient in Python, R, SAS, and various algorithms, I've successfully reduced delinquency risk, improved customer-level risk assessment, and garnered recognition as an "Innovation Champion". Committed to continuous improvement, I leverage cross-functional collaboration to refine credit risk processes and drive business objectives. Currently, as Senior Manager at Razorpay, I oversee credit risk analytics and strategy for SMEs, ensuring efficient credit allocation and usage.

Rajith Nair's Current Company Details
Oportun

Oportun

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Credit Strategy | Portfolio Risk Management | Fintech | Lending
Rajith Nair Work Experience Details
  • Oportun
    Senior Manager - Credit Risk Strategy
    Oportun Jul 2024 - Present
    San Carlos, California, Us
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  • Razorpay
    Senior Manager - Credit Risk Analytics & Strategy
    Razorpay Aug 2022 - Apr 2024
    Bangalore, Karnataka, In
    Razorpay Capital is the lending arm of Razorpay primarily serving the credit needs of Small & Medium sized enterprises (SME) through Credit Card and Business Loan products. In my role, I primarily discharge the following responsibilities:- Credit Risk Strategy & Portfolio Oversight: Developed and executed credit risk strategies for SMEs, while monitoring portfolio health, performance, and compliance.- Credit Modeling & Underwriting Enhancement: Designed and implemented credit risk models to optimize initial line assignment and streamline underwriting policies for efficiency.- Account Management & Data Analysis: Refined strategies for CLI and CLD within the existing portfolio using data-driven insights to improve credit allocation and usage.- Communication & Continuous Improvement: Collaborate cross-functionally, communicating risk-related insights, and continuously evaluate and enhance credit risk processes to align with business objectives.
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  • Jpmorgan Chase & Co.
    Senior Data Scientist - Risk Modeling
    Jpmorgan Chase & Co. May 2019 - Jul 2022
    New York, Ny, Us
    - Model Development Leadership: Spearheaded the development of SR 11-7 compliant models, covering Acquisition, Collection, Recovery, and Customer Level models for the credit card business.- Delinquency Risk Mitigation: Engineered collection models to assess and mitigate the risk of delinquent credit card customers, resulting in reduced net credit losses and improved financial health through customized payment programs.- Cross-LOB Risk Modeling: Designed a comprehensive "Customer 360" credit risk model spanning Credit Card, Home Lending, and Auto Finance businesses. This model identified high-risk customers based on their cross-line-of-business relationships, enhancing risk assessment and targeted marketing.- Innovation Recognition: Recognized as an "Innovation Champion" in both 2020 and 2022 for outstanding contributions to credit risk modeling and financial innovation.
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  • Aureus Analytics
    Machine Learning Engineer
    Aureus Analytics Mar 2015 - Apr 2019
    West Hartford, Connecticut, Us
    - Developed surrender (attrition) prevention model for a Life Insurer reducing the overall attrition by 4%- Developed renewal (payment) propensity model for a Life Insurer which improved the renewal rate by ~7% (post-13th month renewals)- Fraud prevention model at the claim intimation stage for a Life Insurer.
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  • Eficaz Technology Solutions Pvt. Ltd
    Business Analyst
    Eficaz Technology Solutions Pvt. Ltd Nov 2012 - Feb 2015
    Nottingham, Uk, In
    Techno-functional role involving client communication & creation of Functional Requirement Specification document (FRS). Requirement Analysis and Functional Testing for projects before deployment.
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Rajith Nair Skills

Machine Learning Data Mining R Python Mapreduce Hadoop Text Analytics Sql Unix Shell Scripting Tableau Analysis C++ Data Science Large Scale Data Analysis Databases Apache Spark Hive

Rajith Nair Education Details

  • University Of Sussex
    University Of Sussex
    Information Technology With Business And Management
  • Nagpur University
    Nagpur University
    Computer Science

Frequently Asked Questions about Rajith Nair

What company does Rajith Nair work for?

Rajith Nair works for Oportun

What is Rajith Nair's role at the current company?

Rajith Nair's current role is Credit Strategy | Portfolio Risk Management | Fintech | Lending.

What is Rajith Nair's email address?

Rajith Nair's email address is ra****@****pay.com

What schools did Rajith Nair attend?

Rajith Nair attended University Of Sussex, Nagpur University.

What are some of Rajith Nair's interests?

Rajith Nair has interest in Travelling, Football, Cooking.

What skills is Rajith Nair known for?

Rajith Nair has skills like Machine Learning, Data Mining, R, Python, Mapreduce, Hadoop, Text Analytics, Sql, Unix, Shell Scripting, Tableau, Analysis.

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