Phanindra Maddula

About Phanindra Maddula

Driving Transformational Change Through Analytics, Operational & Credit Risk, and Strategic InsightsWith over 12+ years of experience across BFSI, retail, and manufacturing domains, I bring a proven track record of driving business growth through data. My expertise lies in transforming complex datasets into actionable insights using SAS, SQL, Python, and Tableau - unlocking new opportunities and enhancing decision-making at scale. Credit Risk and Regulatory ExpertiseDeveloped and validated Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), and Expected Credit Loss (ECL) models in line with Basel and IFRS 9 guidelines.Performed credit exposure monitoring and risk-weighted asset (RWA) calculations to support regulatory reporting and capital adequacy assessments.Leveraged SAS and Python to automate scorecards, perform reject inference, and support stress testing and scenario-based risk analysis.Enhanced fair lending compliance by identifying potential bias in lending decisions using statistical modeling and segmentation techniques. Operational Excellence Through AutomationReduced reporting time by 90% by automating data pipelines using Python and SAS, enhancing efficiency and accuracy.Built real-time Tableau dashboards that improved stakeholder visibility and reduced manual effort by 50%. Revenue Growth & Cost OptimizationAchieved a 15% uplift in campaign-driven revenue through advanced customer segmentation and targeting.Uncovered $1.2M in operational cost savings through predictive analytics and performance modeling. Advanced Analytics & Customer InsightsImproved loan pricing models for a leading Australian bank, increasing net interest margins by 10%.Increased digital engagement by 20% through multi-channel customer analytics and A/B testing.🧠 Leadership & Capability BuildingMentored 10+ analysts in risk modeling, advanced analytics, and best practices in data governance.Spearheaded the onboarding of 20+ data professionals and contributed to capability enhancement programs. Data Governance & ComplianceEnsured 100% adherence to data quality and governance standards (Availability, Accessibility, Accuracy) in BFSI projects.If you\'re looking to connect with a strategic thinker who blends deep domain knowledge in credit risk with cutting-edge analytics capabilities - let’s talk. I’m always open to collaboration, innovation, and driving measurable impact through data.

Experience

1. Senior Consultant

   Fractal

   Sep 2021 — Present · Bengaluru, IN

   Client : QantasTitle : Manager Role : Analytics SpecialistProject Description:I am working with a major Australian-based client, Qantas, as an analytics specialist. Here, we are focusing on loyalty points. Qantas offers flights, hotels, travel appliances, etc. So, we are analyzing customer behavior regarding how they use loyalty points whether they purchase with cash, points and cash, or solely with points taking into account age groups and gender.Responsibilities: Analyzed customer behavior for Qantas, a major Australian-based client, focusing on loyalty point’s utilization across flights, hotels, and travel appliances. Evaluated purchase patterns to understand how customers use loyalty points, including cash purchases, points and cash combinations, and points-only transactions. Utilized demographic segmentation (age groups, gender) to enhance insights into customer preferences and behaviors. Provided actionable insights to optimize loyalty program strategies and enhance customer engagement. Collaborated closely with cross-functional teams to implement data-driven decisions and improve program effectiveness. Contributed to strategic discussions and initiatives aimed at increasing loyalty program participation and customer satisfaction.

Education

• Ramachandra College of Engineering RCEE

  Bachelor of Technology - BTech, Computer Science

  2008 — 2012