Rajnish Ranjan Email & Phone Number

Mumbai, Mh, In

Bengaluru, Karnataka, India

As a Principal Consultant on the Analytics Team, I play a pivotal role in advancing our credit risk management capabilities. My responsibilities encompass a range of analytical and strategic functions designed to enhance our risk assessment processes and drive the company's financial health forward.Key Responsibilities:Systematic Rule Enhancement: I lead the systematic review of current rules and results, recommending and implementing improvements to optimize performance and accuracy.Credit Risk Analysis: Conducting in-depth analysis of our existing credit portfolio, I provide critical insights that inform our risk management strategies and decision-making processes.Model Development: I contribute to the definition of new features and variables for our credit risk models, developing initial iterations using the latest data and analytical techniques to predict and mitigate risks effectively.Upskilling Initiatives: Leading initiatives to upskill our team in machine learning and analytics, I ensure that our resources are equipped with cutting-edge skills and knowledge to maintain our competitive edge.Through my role, I leverage data-driven insights and advanced analytics to support Kuhoo's mission of delivering robust financial solutions. My work is central to enhancing our credit risk models, improving risk mitigation strategies, and ensuring regulatory compliance. By fostering a culture of continuous improvement and knowledge sharing, I contribute to the growth and success of both our team and our clients.

Chennai

Exhibiting significant leadership in diverse domains including new product development, portfolio management, risk management, financial management, fraud prevention, and analytics, I lead risk management for consumer lending products, ensuring adherence to regulatory requirements and driving positive customer outcomes.I collaborate closely with team members to monitor credit and fraud risk metrics across consumer products, developing effective mitigation strategies while maintaining alignment with business objectives and customer outcome metrics.Coordinating with managers, I design, build, and deploy predictive models and rules, ensuring rigorous quality controls and contributing to financial forecasts and the departmental strategy for lending products.In my role as a Data Risk Management Leader, I am actively involved in data risk mitigation efforts, ensuring data quality and fitness for purpose. I evaluate third-party data services, manage supplier relationships, and apply quality control techniques for predictive modeling and analysis, monitoring effective affordability measures based on committee reviews and feedback to uphold standards.I ensure tool/system fitness through periodic reviews, implement risk management tools within an approved framework, and maintain accurate, updated documentation, including SOPs and policies, while enforcing documentation compliance measures.Furthermore, I collaborate with other line managers to ensure adequate staffing, training, and succession planning, and lead teams in the US and UK, facilitating the sharing of project information, delivering progress presentations, and evaluating business risk and security processes.

Chennai, Tamil Nadu, India

With a proven history of robust leadership, I have coached my team in effectively monitoring credit risk, building models, devising decision logic, and conducting experiments for optimal product performance, all while managing bad debt.Moreover, I successfully led my team in monitoring Fraud Risk, creating models, and developing decision logic, ensuring product optimization, and overseeing AML monitoring.Aligning LS loans with FCA-recommended affordability criteria and continuously enhancing affordability measurement, I have demonstrated a commitment to compliance and excellence.In my capacity, I managed end-to-end execution of analytics projects, setting and tracking monthly goals, and ensuring meticulous documentation compliance within the analytics function.My oversight of performance reviews, training, and scheduling, along with my initiatives for fostering an inclusive culture, has significantly contributed to team development and operational efficiency. My proactive approach to managing bad debt and implementing vigilant portfolio tracking metrics has ensured financial stability and integrity. I have also led cost-saving initiatives and improved profitability by designing an adaptable Affordability API for products.

Chennai, Tamil Nadu, India

Leading a team of 8 finance professionals, I oversaw financial analysis, annual budgeting, ongoing forecasting, and scenario analysis, offering guidance on loan volume, acquisition costs, and key metrics to the functional team. Moreover, I supported financial audits for debt investors, attended committee meetings, and handled high-level financial reporting and regulatory compliance. With control over signing authority, including approvals for payments, vendor-related matters, and team outing reimbursements, I initiated refunds, vendor payouts, and time-sensitive payments while maintaining oversight of accounting processes and ensuring high-level quality assurance of financial data.

Leading the charge in Fraud Risk Management for Verified Visa transactions, I spearheaded the development of the industry's first Data Compromise Risk Score, calculating 100M+ daily account risk scores worldwide. Further, I designed and implemented data compromise probability scores, managed project plans, provided consulting expertise, and contributed to client meetings while resolving queries from global stakeholders.

Employing my analytical expertise, I developed sophisticated predictive models, encompassing risk, ROI, and customer acquisition, driving strategic decision-making for clients. Crafting comprehensive project plans and leading a 7-member team, I successfully analyzed and modeled fraud risk management projects for two UK banks. Additionally, I oversaw data maintenance, cleaning, summarizing, and report generation in data warehouses, ensuring data integrity and quality.

Chennai, Tamil Nadu, India

With a focus on data maintenance, transformation, and model development, I created innovative variables like digital filters and Bayesian risk indicators, enhancing the efficiency of our operations. Utilizing my expertise, I successfully developed predictive models for risk assessment, return on investment, and customer acquisition.Additionally, I provided leadership to a team of analysts, delivering impactful risk management, strategy consulting, and portfolio management solutions to top players in the US online subprime lending industry.

Chennai, Tamil Nadu, India

Pioneering the development of innovative Human Capital Management solutions, I quantified the value of HR investments and assessed their impact on the bottom line. Orchestrated the management of large data warehouses, overseeing tasks such as data cleaning, formatting, transformation, summarizing, report generation, and metric computation. Additionally, I crafted a sophisticated retention prediction model for employees.

Master Of Technology - Mtech, Quality Reliability And Operations Research

Bachelor Of Technology - Btech, Manufacturing Engineering