Ajith Reddy

About Ajith Reddy

Seasoned Credit Risk Analytics Leader with 8+ years of expertise in retail and wholesale lending, adept at leveraging machine learning and predictive modeling to drive profitability and mitigate risk. Proven success in optimizing underwriting frameworks, reducing costs, and enhancing portfolio performance.Specializes in transforming raw data into actionable strategies that align risk management with business growth.

Experience

1. Senior Risk Analyst

   TF Holdings

   Jul 2023 — Present · Bengaluru, IN

   Balanced requirements for loan-volume growth with quality of underwriting to reduce risk and increase profitability to achieve 300 bps increase in Fund Rate for sub-prime and Hispanic segment(Improvement in Approval and Fund Rates by 30% and originations by $1M)• Partnered with third party to create a transactional data based risk model and overlaid transaction, income and expense based parameters to arrive at the optimal credit line for the customer• Developed underwriting rules and a ML Scorecard for population with no bureau data, mitigating risks to decline high risky segments while making the segment in whole to have optimized risk-origination ratio• Developed Comprehensive reporting system using tableau offer insights around revenue, loan book, charge-offs etc. to gauge the quality of the portfolio at various levels with specific triggers for corrective and pre-emptive actions• Reduced portfolio losses by implementing robust collection scorecards and arriving at the optimal line strategy for the segment• Improved FPD rates by spearheading fraud strategy and developing third party fraud detection scorecards using ML techniques

Education

• Pondicherry Engineering College

  Bachelor of Technology (B.Tech.)

  2010 — 2014