Harish Gowda

Project Manager at EXL

Role: Project Manager at EXL
Location: Bengaluru, KA, IN
LinkedIn followers: 500 followers

General Business & ManagementView LinkedIn profile

About Harish Gowda

Over 13+ years of Professional Experience in Credit risk analytics, Regulatory…

Experience

Project Manager
EXL
Sep 2022 — Present · Bengaluru, IN
Extracts data, conducts exploratory data analysis, and addresses common data issues like missing andextreme values on the Credit Card Portfolio. Develops predictive models/segmentations that predict customer behavior such as delinquency, writeoff, payment rate, revolve rate, profitability, etc Oversees outsourced models, including providing data, answering questions and providing feedback. Provides recommendations/insights regarding the MRM Questions. Supports CITI team by providing forecasting assistance when needed. Building Probability of Default (PD), Exposure at Default (EAD) and Recovery Models by using SAS. Preparing the technical document on Model Assessment, Model Eligibility and Model ChangeAddendum for implementing the models. Part of the CCAR, IFRS9, CECL model development to forecast the Gross Credit Loss (GCL),Expected Credit Loss (ECL) and also to perform the back testing and stress testing on the on differentMacroeconomic scenarios. Develop and validate risk measurement models for credit risk Models (PD,EAD and LGD)

Skills

Requirements Analysis
Sql
Sas
Statistical Modeling
Market Research
Business Analysis
Analytics
Pl/Sql
Requirements Gathering
Business Intelligence
Access
Sdlc
Data Analysis
Team Management

Contact information

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Work email
•••••@exlservice.com
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Current company

EXL

59K employees · New York, NY, United States

Choosing a digital partner is about more than capabilities — it’s about collaboration and character. Unrealistic overhauls and off-the-shelf products ignore what matters most — your unique needs, culture, goals, and your legacy data and technology environments. At EXL, our collaboration is built on ongoing listening and learning to adapt our methodologies. We’re your business evolution partner—tailoring solutions that make the most of data to make better business decisions and drive more intelligence into your increasingly digital operations. Whether your goals are scaling the use of AI and digital, redesign operating models, or driving better and faster decisions, we’re here to partner with you to help you gain—and maintain—competitive advantage with efficient, sustainable models at scale. Our expertise in transformation, data science, and change management helps make your business more efficient and effective, improve customer relationships and enhance revenue growth. Instead of focusing on multi-year, resource- and time-intensive platform designs or migrations, we look deeper at your entire value chain to integrate strategies with impact. We use our specialization in analytics, digital interventions, and operations management—alongside deep industry expertise — to deliver solutions that help you outperform the competition. At EXL, it’s all about outcomes—your outcomes—and delivering success on your terms. Share your goals with us and together, we’ll optimize how you leverage data to drive your business forward. For more information, visit www.exlservice.com.

exlservice.com

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