Ajith Reddy

Senior Risk Analyst @TF Holdings

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

Pondicherry Engineering College

Bachelor of Technology (B.Tech.)