Ajo Philip John

About Ajo Philip John

I am a results-driven Credit Risk Officer with over 8 years of experience, blending 5…

Experience

1. Credit Risk Analyst

   Citi India

   Aug 2022 — Present · Pune, IN

   Established tiered pricing structure for the portfolio, enhancing profitability while identifying opportunities for growth and expansion with expected revenue improvement of 40% in 5 years.• Boosted portfolio profitability by implementing a new line assignment strategy based on income and credit score, reallocating lines from low-revenue to high-revenue segments while maintaining neutral overall exposure having an expected EBIT improvement of 11% in 5 years.• Reduced portfolio losses driven by macroeconomic pressures by pinpointing high-risk, low-revenue segments and developing risk-tightening strategies for these areas resulting in reduction of losses by 5% in steady state. • Optimized line assignments for historically underperforming segments, resulting in increased revenue generation. • Identified potential improvements in line assignment through P&L analysis, leading to higher returns in targeted segments

Education

• Nava Nirman Public School - India

  graduation, Computer Engineering

  2010 — 2014

• Birla Institute of Technology and Science, Pilani

  Master of Business Administration - MBA, Business Administration and Management, General

  2018 — 2020

• Government Model Engineering College,Thrikkakkara

  Bachelor of Technology (BTech), Computer Engineering

  2010 — 2014