Head of Risk Analytics (RCU)
L&T finance
Total des années d'expérience :10 years, 2 Mois
• Orchestrated dynamic teams to drive innovation in credit & fraud detection strategies
• utilised advanced data analytics techniques, including machine learning, anomaly & predictive modelling, to combat fraudulent activities.
• Fostered synergistic partnerships across departments to enhance fraud prevention efforts.
• Committed to continuous improvement and staying updated on emerging trends in fraud risk management.
• Demonstrated ability to translate complex data into actionable insights and compelling visual narratives for C level communication
• Leveraged a diverse range of alternative data sources, including satellite data for agricultural customers, account aggregator data for urban populations, payment data to assess creditworthiness and repayment behavior, and geospatial data for income estimation
• Managed budgets and resources for these initiatives, maximizing their return on investment.
• Fostered collaboration with cross-functional stakeholders to ensure solutions aligned perfectly with business goals.
• Spearheaded the development and deployment of innovative alternate data solutions by leading a team of data scientists and engineers.
• Successfully translated complex data sets into clear, concise, and visually compelling narratives for C-level communication.
This empowered improved decision-making at the executive level, leading to a 12% increase in loan approval rates and a
27% reduction in workload for operational analysts
• Developed and implemented customer acquisition rules and credit limits for pre-approved personal loans and credit lines.
• Built a rule-based metrics monitoring platform (KPI dashboard) with trending insights on bureau, payment, delinquency, and
bounce data, enabling proactive business decisions
• Collaborated with stakeholders to design effective data analysis and presentation approaches to address emerging
business issues.
• Partnered with credit bureaus and Alternate data source vendors to improve data flow for secured and unsecured product
strategy development.
• Managed fraud strategy effectiveness for debit cards and electronic money movement.
• Developed strategies to mitigate fraud losses and forecast future losses.
• Created KRIs and DMs to monitor portfolio performance and provide cause & effect analysis.
• Investigated fraud trends and developed solutions to prevent loss and fraud attacks.
• Managed fraud strategy effectiveness for debit cards and electronic money movement.
• Developed strategies to mitigate fraud losses and forecast future losses.
• Created KRIs and DMs to monitor portfolio performance and provide cause & effect analysis.
• Investigated fraud trends and developed solutions to prevent loss and fraud attacks.
Bachelor in Science with the Higher grade