Aditya R Aditya Raghu

About Aditya R Aditya Raghu

Dual Degree graduate from IIT Madras and consultant supporting a major North American bank across credit strategy, collections, and customer engagement. I enjoy breaking down ambiguous problems, understanding customer and portfolio behavior, and translating analysis into clear, structured recommendations.I’m interested in strategy, problem-solving, and business decision-making, and I aim to keep developing in roles that combine analytical thinking with impact-oriented work.

Experience

1. Consultant Ii

   EXL

   Mar 2025 — Present · Bengaluru, IN

   Client: Leading North American Bank | Credit Cards & Unsecured Lending- Led the bank’s collections platform migration, validating data mapping, business rules, and reporting logic for accurate delinquency, workout/forbearance, settlement, re-age, and charge-off controls- Delivered income-update (PCLI) campaigns, enabling 15K+ additional CLIs per cycle and ~$7.5M in incremental annual spend, while demonstrating strong incremental balance and revenue upside from improved income capture- Built datasets and performed test–control analysis for a low-usage early-MOB engagement pilot, proving 5.2× ROI at 3 months and 11.4× ROI at 6 months- Developed economic and portfolio-health dashboards integrating macro trends, portfolio triggers, and performance signals for recession-readiness and monthly leadership reviews- Assessed third-party income data across 300K+ accounts, supporting a $66M incremental balance and $24M risk-adjusted return opportunity for expanded CLI programs- Created an Economic Health Tracker using 30+ macro indicators (activity, sentiment, inflation, supply-chain), delivering monthly summaries for senior leadership- Automated collections reporting across major portfolios, strengthening visibility into delinquency trends, roll-rates, and recovery performance.

Education

• Indian Institute of Technology, Madras

  Dual Degree (B.Tech + M.Tech), Biological/Biosystems Engineering