Tejas Mirashi Email & Phone Number

Harrison, Nj, Us

Santa Clara, Ca, Us

Clearwater, Fl, Us

Analyzed Clarity database and Experian PII data using Base SAS and SQL, recommended lending strategies that enhanced operational efficiency and increased client satisfaction.Engaged with clients to comprehensively understand their needs and challenges, utilized strong analytical skills to propose and implement customer evaluation metrics.Recommended actionables for reducing default rates and improving approved rates, effectively communicating technical solutions in understandable manner to ensure client satisfaction.Collaborated with internal teams and stakeholders to gather and integrate data from the Clarity database, ensuring timely delivery of tailored solutions aligned with client requirements.Implemented and tested a new analytics software, ensuring seamless integration and optimal functionality within the organization, led to enhancing analytical capabilities and operational efficiency.

Worcester, Massachusetts, Us

Mumbai, Maharashtra, In

Member of the strategic initiatives team for development of predictive models, strategies, and business insights in areas of customer acquisition and risk analytics for retail lending portfolio across products using statistics and machine learning techniques such as decision tree, random forest and XGBoost.Involvement in API integration across fintech partnerships right from sourcing loan applications to disbursement of loans.Part of the business analytics team for detection and mitigation of fraud through anomaly detection using traditional and advanced machine learning thereby maintaining sourcing funnel dynamics.Responsible for maintaining retail loan portfolio health driving changes to business rule engines to keep a check on delinquency levelsFormulated new products to scale up digital lending / co-lending business for supply chain finance, secured mortgage loans, education loans, two-wheeler loans and personal loans. Headed the retail credit team wherein built a retail loan book of ~ INR 75 crores (USD 10M) across products.Held responsibility for portfolio management and analytics for retail products. Strategic initiatives and tactical measures encompassing revenue maximization and life cycle management activities such as activation, retention, usage, book growth, portfolio actions and managing other levels of revenue and cost optimization.Provided predictive analytics solutions based on AI, ML and traditional statistical methods that enables business and functional teams to take robust, scientific and score based decisions.Developed and implemented a unique expert credit score-card model with automated eligibility, risk insights, and effectively managing bounce rates; resulted in stringent decisioning & lowering the overall credit TAT

Mumbai (Maharashtra), In

Involvement in development of customized software and integration of tools as a part of special projects group for digitization of credit underwriting journey which reduced TAT by 40%Handled project for integration of credit bureau (Transunion CIBIL) data points into credit assessment for complete automation resulting into reduction of TAT and creating an opportunity to offer pre-approved loans.

Mumbai (Maharashtra), In

Managed a team of 4 credit managers and 7 credit officers for business development and process upgraded projects.Approval authority for lending up to ~ INR 20 lacs (USD 30,000) per loan contract.

Mumbai, Maharashtra, In

Handled credit underwriting for unsecured business loans and loans against credit card receivables

London, Gb

Transaction Advisory on GST front to facilitate transition from current tax regime to the new one.Understanding the risks in the current business scenario and accordingly advise on mitigationsMapping of transactions under current tax regime and estimation of additional working capital l requirement.Handling statutory compliance for facilitation of smooth transition.

Overall group compliance on financial and taxation front. Involved in Service tax availment and utilization tasks.Monthly, Quarterly and Half yearly reporting on indirect tax developments in the organization to Shared Services – Reliance Industries Limited.Drawing up Financial Accounts and MIS for purpose of Management reporting.

Involved in Project Financing and Financial Projections for “MANGII FERRA CAFES PVT. LTD” Involved in Group Compliance on Taxation front for “SCORPIO MARINE MANAGEMENT (INDIA) PVT. LTD (Subsidiary of Scorpio Ship Management)Involved in Group Compliance on Taxation Front for “SSY INDIA PVT LTD.” (Simpson Spence & Young LLC – Ship Brokers)Experience in documentation required for Appeals and Litigations for Direct taxes, TDS and Service Tax issues. Experience in conducting Tax Audit along with all the statutory compliances upto finalization. Experience in handling Transfer Pricing issues and submission of Transfer Pricing Reports.

Master'S Degree, Business Analytics

Aca, Tax Law/Taxation

Bachelor Of Commerce - Bcom, Statistics