Indra Reddy

About Indra Reddy

I am a Financial Analytics professional with 5+ years of experience driving enterprise-level financial forecasting, credit risk modeling, and portfolio performance optimization across billion-dollar environments.At Capital One, I support a $1B+ consumer credit portfolio, improving forecast accuracy by 17% and contributing to $30M+ in expense optimization through advanced variance analysis and driver-based forecasting. I build SQL and Python models leveraging 5M+ customer records to uncover revenue drivers, risk concentration trends, and profitability opportunities.Previously at PepsiCo India, I led enterprise risk analytics across a revenue portfolio, reducing forecast variance by 15% and mitigating ₹120Cr+ in exposure through scenario and sensitivity modeling.My expertise includes:• FP & A & Revenue Forecasting• Variance & Margin Analysis• Credit Risk Analytics (DPD, roll-rate, vintage analysis)• Stress Testing & Macroeconomic Modeling• Executive Dashboard Automation (Power BI / Tableau)• SQL, Python & Advanced ExcelI enjoy translating complex financial data into executive-ready insights that influence capital allocation, risk strategy, and profitability decisions.

Experience

1. Financial Analyst

   Capital One

   Nov 2023 — Present

   Built forecasting models to predict customer spend across credit cards and banking products, improving revenue forecast accuracy by 16% • Analyzed transaction-level data (millions of records) using SQL and Python to identify spending patterns, seasonality trends, and customer behavior shifts • Developed cohort-based revenue models to track customer lifecycle value, enabling better targeting of highvalue segments • Performed variance analysis on actual vs. projected revenue, identifying key drivers such as interest income, interchange fees, and customer activity • Partnered with product and marketing teams to align forecasts with campaign strategies, improving revenue uplift from targeted initiatives by 12% • Created automated dashboards (Tableau/Power BI) to monitor KPIs such as spend per user, active accounts, and revenue growth trends • Conducted scenario analysis to evaluate impact of macroeconomic factors (interest rates, inflation) on customer spending behavior • Improved data pipelines and reporting workflows, reducing manual effort by 30% and increasing reporting accuracy • Supported monthly and quarterly planning cycles by delivering insights on revenue trends and growth opportunities • Presented actionable insights to senior stakeholders, influencing strategy around customer engagement and product offerings

Education

• Campbellsville University

  Master's degree, Information Technology