Punit Pragati
VP/Director - Credit Analytics and Valuations at OneMain | Ex Chase, Ex Citi
- Role
- Vice President Director at OneMain Financial
- Location
- Philadelphia, PA, US
- LinkedIn followers
- 500 followers
About Punit Pragati
Experienced in Risk Management, Analytics, Credit Strategy and Cash Flow Modeling to optimize credit policy in consumer lending industryIndustry: Financial Services, Banking, Payment cards, Consumer lendingTechnical skills: SAS, SQL, snowflake, Decision Tree/CHAID/CART, residual monitoring framework, Cash Flow ModelingFunctional skills: Credit Risk, Credit Analytics, Credit Policy optimization, Credit Strategy, Cash Flow Modeling, Leadership, Competitor analysis, Growth Strategies, Consumer lending, Fraud risk
Experience
Vice President Director
Aug 2025 — Present · Philadelphia, PA, US
Credit Risk Management in Consumer lending- Build and optimize Cash Flow (valuation) Models for the multi-billion dollar personal loans portfolio - Analyze Credit underwriting Models and assess its effectiveness - Credit Policy Optimization using credit risk models and profitability analysis to maximize risk adjusted returns - Leverage Early Risk Models to optimize credit policy to mitigate emerging credit risk trends - Built hypothesis based risk detection framework to identify actionable pockets of high-risk and leveraged cash flow models to assess profitability of the segments to drive informed credit pullback decisions - Ownership of credit analytics that enables credit decisions in the personal loans business- Partner with marketing, finance and other teams across the organization to unlock the potential of cash flow models as a tool for decision making and financial projections- Partner with the marketing team on growth initiatives to evaluate the business case of growth into new customer segments
Education
Indian Institute of Technology, Kanpur
Bachelor of Technology (B.Tech.), Chemical Engineering
1995 — 1999
The University of Chicago Booth School of Business
Master of Business Administration (MBA), Analytic Finance, Economics, Strategic Management and Finance
2011 — 2014
Skills
- Requirements Analysis
- Java
- Strategy
- Product Development
- Business Analysis
- Team Management
- Integration
- Sql
- Software Project Management
- Banking
- Cross-Functional Team Leadership
- Management
- Matlab
- Eagle Pace
- Investment Management
- Business Process
- IT Strategy
- Leadership
- Product Management
- Sdlc
- Analysis
- Analytics
- Business Strategy
- Financial Modeling
- Risk Management
- Program Management
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