Rajnish Ranjan

About Rajnish Ranjan

From the early days of my career, I have been driven by a passion for untangling complex problems and transforming challenges into opportunities. My journey, spanning over 19 years, has been marked by a relentless pursuit of excellence in product development, analytics, risk assessment, and data science. With every role I have taken on, I\'ve strived to not just meet expectations but to surpass them, creating a path of continuous growth and innovation. As I navigated through diverse roles, I found myself at the forefront of pivotal decision-making processes, collaborating closely with leadership teams to drive impactful solutions and strategies that optimize returns. My role as a Subject Matter Expert in risk and fraud management equipped me with the tools and expertise needed to navigate complex analytics landscapes, leveraging cutting-edge technologies like R and SAS to craft sophisticated modeling algorithms through my profound knowledge of Machine Learning, Artificial Intelligence, and Data Analytics. Throughout my professional journey, my commitment to excellence has been unwavering. Whether it was spearheading transformative business processing operations or leading strategic initiatives for process improvement and cross-functional coordination, I have remained focused on achieving tangible, measurable results. This has not only translated into impressive revenue growth but has also been instrumental in driving the global performance of the organizations I have been a part of. In the span of my professional trajectory, I have achieved several remarkable milestones. Notably, I have enhanced customer affordability through strategic expense adjustments, conceptualized effective measures for managing bad debt, and engineered intricate financial models tailored for various investment firms. Besides, my leadership has been instrumental in guiding cross-functional teams to deliver consistent Business Intelligence (BI) reports, driving the Six Sigma Green Belt initiative to success. Nonetheless, my initiative to embrace Open Banking in the UK has streamlined processes, maximized bottom-line growth, and solidified the company\'s financial strength and competitive advantage. My story is one of resilience, tenacity, and a commitment to excellence. Each chapter has been marked by my dedication to building and inspiring high-performing teams, fostering a culture of innovation, and achieving unprecedented success in the face of complex challenges. I can be reached at r••••••••@gmail.com

Experience

1. Director - Portfolio Risk

   Gain Credit

   Oct 2021 — Present · Chennai, IN

   Exhibiting significant leadership in diverse domains including new product development, portfolio management, risk management, financial management, fraud prevention, and analytics, I lead risk management for consumer lending products, ensuring adherence to regulatory requirements and driving positive customer outcomes. I collaborate closely with team members to monitor credit and fraud risk metrics across consumer products, developing effective mitigation strategies while maintaining alignment with business objectives and customer outcome metrics. Coordinating with managers, I design, build, and deploy predictive models and rules, ensuring rigorous quality controls and contributing to financial forecasts and the departmental strategy for lending products. In my role as a Data Risk Management Leader, I am actively involved in data risk mitigation efforts, ensuring data quality and fitness for purpose. I evaluate third-party data services, manage supplier relationships, and apply quality control techniques for predictive modeling and analysis, monitoring effective affordability measures based on committee reviews and feedback to uphold standards. I ensure tool/system fitness through periodic reviews, implement risk management tools within an approved framework, and maintain accurate, updated documentation, including SOPs and policies, while enforcing documentation compliance measures. Furthermore, I collaborate with other line managers to ensure adequate staffing, training, and succession planning, and lead teams in the US and UK, facilitating the sharing of project information, delivering progress presentations, and evaluating business risk and security processes.

Education

• Indian Statistical Institute, Kolkata

  Master of Technology - MTech, Quality Reliability and Operations Research

  2001 — 2003

• National Institute of Advanced Manufacturing Technology Ranchi (Formerly NIFFT)

  Bachelor of Technology - BTech, Manufacturing Engineering

  1996 — 2000