Senior Manager - Credit Risk Strategy
Current
Jul 2024 - Present
AeroLeads people directory · profile
Rajith Nair Email & Phone Number
Senior Manager - Credit Risk Strategy
at
Oportun
1 work email found
@razorpay.com
LinkedIn matched
✓ Verified August 2026
4 data sources
Profile completeness 100%
Current company
Role
Senior Manager - Credit Risk Strategy
Location
Bengaluru, Karnataka, India
Who is Rajith Nair? Overview
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Quick answer
Rajith Nair is listed as Senior Manager - Credit Risk Strategy at Oportun, based in Bengaluru, Karnataka, India. AeroLeads shows a work email signal at razorpay.com and a matched LinkedIn profile for Rajith Nair.
Rajith Nair previously worked as Senior Manager - Credit Risk Analytics & Strategy at Razorpay and Senior Data Scientist - Risk Modeling at Jpmorgan Chase & Co.. Rajith Nair holds Master Of Science (Msc), Information Technology With Business And Management from University Of Sussex.
Company email context
Email format at Oportun
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{first}.{last}@razorpay.com
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Profile bio
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.
Listed skills include Machine Learning, Data Mining, R, Python, and 14 others.
Current workplace
Rajith Nair's current company
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5 roles
Rajith Nair work experience
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Senior Manager - Credit Risk Analytics & Strategy
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.
Aug 2022 - Apr 2024
Senior Data Scientist - Risk Modeling
- 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.
May 2019 - Jul 2022
Machine Learning Engineer
- 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.
Mar 2015 - Apr 2019
Business Analyst
Techno-functional role involving client communication & creation of Functional Requirement Specification document (FRS). Requirement Analysis and Functional Testing for projects before deployment.
Nov 2012 - Feb 2015
2 education records
Rajith Nair education
Master Of Science (Msc), Information Technology With Business And Management
University Of Sussex
Bachelor Of Engineering (Be), Computer Science
Nagpur University
FAQ
Frequently asked questions about Rajith Nair
Quick answers generated from the profile data available on this page.
What company does Rajith Nair work for?
Rajith Nair works for Oportun.
What is Rajith Nair's role at Oportun?
Rajith Nair is listed as Senior Manager - Credit Risk Strategy at Oportun.
What is Rajith Nair's email address?
AeroLeads has found 1 work email signal at @razorpay.com for Rajith Nair at Oportun.
Where is Rajith Nair based?
Rajith Nair is based in Bengaluru, Karnataka, India while working with Oportun.
What companies has Rajith Nair worked for?
Rajith Nair has worked for Oportun, Razorpay, Jpmorgan Chase & Co., Aureus Analytics, and Eficaz Technology Solutions Pvt. Ltd.
How can I contact Rajith Nair?
You can use AeroLeads to view verified contact signals for Rajith Nair at Oportun, including work email, phone, and LinkedIn data when available.
What schools did Rajith Nair attend?
Rajith Nair holds Master Of Science (Msc), Information Technology With Business And Management from University Of Sussex.
What skills is Rajith Nair known for?
Rajith Nair is listed with skills including Machine Learning, Data Mining, R, Python, Mapreduce, Hadoop, Text Analytics, and Sql.
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