INDRA RAJAK

• Led end-to-end risk monitoring for a pilot Credit Card portfolio worth INR 200 Cr, spanning ~90, 000 cards, tracking sourcing
trends, delinquency triggers, and overall portfolio health.
• Designed alternate-data and bureau-led acquisition strategies, expanding sourcing base by 3x YoY across Credit Cards, Personal
Loans, Auto Loans, Gold Loans, and Business Loans.
• Led strategic partner engagements across PhonePe, Paisabazaar, Akiko, Paytm, and ecosystem partners, driving scalable pre
screen cross-sell campaigns and increasing sourcing efficiency by over 80%.
• Delivered approximately 40% reduction in bureau costs through strategic vendor evaluation and underwriting framework
redesign while preserving portfolio quality.
• Built score-based acquisition and approval frameworks improving targeting precision, underwriting efficiency, and approval
quality across retail lending products.
• Reduced underwriting turnaround time by 50% through automation, code optimization, and workflow redesign initiatives.
• Designed the Maximum Unsecured Exposure (MUE) Framework and reviewed Fixed Obligation to Income Ratio (FOIR), income
band policy calibration to strengthen underwriting controls and risk differentiation.
• Migrated the Customer Limit Reduction (CLD) framework to in-house scorecards and currently lead FICO-based CLD
automation.
• Manage and mentor a 2-member analytics team to deliver on strategic risk initiatives.
• Developed Power BI dashboards and automated overlap analysis, improving campaign monitoring, sourcing visibility, and
strategic decision-making.
• Conducted slippage analysis, early mortality diagnostics, and Assets Under Risk (AUR) operationalization across the complete
credit card portfolio.

• Developed a corporate value scoring model for non-individual banking customers, enabling profitability-led segmentation and
identifying cross-sell opportunities.

• Conducted market research and built inventory optimization / fill-rate models, improving service levels and supporting pricing
and vendor decisions.