Susmitha Venkittaraman Email & Phone Number

West Chester, Pa, Us

• Support development and enhancement of new and existing credit strategies across retail installment credit products, utilizing advanced underwriting techniques to balance risk-reward tradeoff and drive profitable growth• Developed and automated delinquency forecasting methods that was instrumental in detecting early performance of new credit strategies that helped curtail risk of losses significantly• Assisted in development, implementation and monitoring of credit underwriting scorecard along with creation of presentations on efficiency and performance of new product/strategy for the senior leadership team• Worked in the analysis of various credit tests (credit limit, credit offering, credit line optimization) in sample markets to improve portfolio performance by analyzing & reporting on the benefits of new implementations• Interfaced with Experian to generate monthly state of the market analysis to review and research trends seen in comparable peer groups and provide summary of insights for senior leadership teams• Developed various LR models that were used to support strategy development, portfolio insights and deployed for use in the strategy (such as the credit line optimization LR models).• Completed daily, weekly, monthly and ongoing reporting, including user acceptance testing (UAT) and macro-economic reporting that was instrumental in model development and testing.

Chennai Area, India

Client: Commercial and Private Banking team of a large UK Bank• Leveraged SQL to extract customer impact data and transformed it into insights to improve application efficacy as well as influence business decisions while collaborating remotely with on-site teams• Designed interactive dashboards using Excel to track, analyze and report daily, weekly, and monthly performance metrics• Developed and implemented fixes to stored procedures in IBM Db2 database server to increase the efficiency of the ETL process • Assisted in the implementation and continuous development of financial products as well as built backend code for account processing application on Business Process Management (BPM) tool • Increased productivity by 20% by developing scripts to automate processes like auto-closing application due to inactivity and auto resuming the instances failed using BPM• Worked cross-functionally with multiple business units in strategic and business planning discussions• Worked closely with finance team to build and update excel models to forecast financial performance of various product types

Coimbatore, Tamil Nadu, India

•Leveraged HTML, Javascript, and Bootstrap for frontend development of E-commerce web application in login/logout and product list functionalities •Developed compatible user interface functionality using JQuery

Coimbatore, Tamil Nadu, India

Worked on Texas Instruments LauchPads.Hands-on experience on MSP430 and CC3200 Launchpads.Understood the working of Timers, Registers, UART, SPI and I2C, and learned the concepts of IoT.

Professional Certificate-Data Analytics And Visualization

Master Of Science - Ms, Information Technology, 3.91

Specializing in Data Analytics. Course Work: Database Management | Business Intelligence | Analyzing & Visualizing Data | Cloud Computing

Analytics Edge-15.071X

This course was 13 weeks with assignments and projects in R Programming. Topics: Introduction to Analytics Linear Regression Logistic.

Bachelor Of Technology - Btech, Electrical, Electronics And Communications Engineering

Course Work: Information Management | Object-Oriented Programming (Java) | Probability & Random Processes

High School, Computer Science