7/27/2019 KP CV

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Profile Summary

5 years of experience in Credit Risk management, proficient in

Statistical tools & techniques coupled with excellent business

understanding of portfolio. ro!en ability in leading team &

managing analytical pro"ects from conception to completion.

Consistently rated exceeds expectation for high quality

deli!ery, inno!ation and mentorship

Key Professional

Accomplishments

Scorecard Development

#nderstand the business requirement, si$ing, performance

definition, segmentation, re"ect inference, model de!elopment,alignment, ad!erse action reason codes, !alidation,

performance e!aluation, swap%set analysis and implementationsupport

Risk scorecards across product life cycle acquisition, portfoliomanagement and collections

' & ()' models to make appropriate pricing for consumer

auto loan product

Response & customer attrition models for marketing initiati!es

Credit Risk Strategy

Development

C(' *+uto+d hoc- strategy for credit cards to identify high risk

segments and minimi$e exposure, C( *roacti!eReacti!e-strategy to generate profitability at permissible risk le!el, Re%

pricing strategy to mitigate high risk

/S authori$ation strategy *o!er limit & delinquent-

+cquisition policy to increase appro!al rate at gi!en loss & !ice%

!ersa and Credit line assignment strategies

0alance growth initiati!es for portfolio through acti!e and in%

acti!e 0alance 1ransfer strategies

Risk strategy for marketing programs like ay & )et to liquidate

the portfolio bad balances

(oss forecast to predict the 23 months & 34 months losses

Portfolio Dashboard &

MS

'e!elop and generate dashboards and pro!ide key insights for

!arious products and processes necessary for seniormanagements in!estment decision

Set%up processes like batch re%acti!ation and model monitoring

'e!elop S+S macros to significantly reduce man hours

Key nnovations

6ew method of alignment using macro%economic factors at 7S+

le!el

8!aluate & define high risk triggers using retail and

authori$ation data

Concept of balanced scorecards to e!aluate performance o

scores

Koyyana Prabhakar Raohone 92%99:3932;;4

er!kprabhakar"gmail!com

0angalore, ndia

Summary Skill set

Credit Scoring & Policyredicti!e modeling *logistic, linear,

sur!i!al-, Segmentation *C months-

)P Morgan Chase

7ass +ffluent Credit olicy/ct :9 ? 7ar @22*2 yr A months-

*S+C (A(CC +ccount 7gmt. Credit olicy

+uto finance Risk modelingBun :; ? Sep :9 *3 yr > months-

#ducation

Master of ,echnology

ndustrial & 7anagement8ngineering1 anpur 3::;*C)+D9.352:-

Master ,hesis

nstitute for 7achine 1ools &ndustrial 7anagement1echnical #ni!ersity 7unich 3::;

+achelor of #ngineering8lectronics & 1elecommunication61 Raipur 3::5*+ggregateD;EF-

mailto:er.kprabhakar@gmail.commailto:er.kprabhakar@gmail.com

7/27/2019 KP CV

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'e!elop tool for !ariable short listing using )enetic +lgorithm in S+S 7(

Key Scholastic Achievements