Ravi Radhakrishnan
Chief Credit & Risk Officer @Foundation Finance Company Llc
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WORK HISTORY
Chief Credit & Risk Officer @Foundation Finance Company Llc
Foundation Finance (FFC) is a leading multi-billion dollar home improvement lender that help dealers and consumers with affordable financial solutions. FFC has a vast network of nearly contractors and provides lending across credit spectrum for loans up to $50K and for terms up to 240 months.* Responsible for full life cycle credit strategies and portfolio health* Driving credit and product innovation for strategic expansion and growth opportunities* Managing a team of 30+ high performance professionals across underwriting & decision science functions
EDUCATION
National Institute of Technology, Tiruchirappalli
Bachelor of Science - BS, Industrial Engineering
Virginia Tech
Master of Science - MS, Industrial Engineering
SKILLS
ABOUT RAVI RADHAKRISHNAN
Strategy and analytics leader with over 20 years of experience in the banking and FinTech industries building integrated strategies across the credit, product, and analytical functions to drive enterprise growth. Expert at mitigating risks, including credit, fraud, and macroeconomic, while delivering top-and bottom-line growth Data science expert experienced in developing and executing valuation and predictive modeling to drive decision-making. Pioneered data and funnel optimization techniques to unlock hidden opportunities.Customer-centric partner able to use the customer journey lens to guide programs, messaging, and marketing programs across all customer-facing channels and touchpoints.Player / coach who attracts and inspires high-quality, diverse performers through a lead-by-example management style. Maintains a strong executive presence to build trust and inspires confidence with the internal team and external stakeholders.Creative problem-solver who has launched and executed many innovative “industry-first” strategies to solve growth problems across product sets. Drove resiliency and portfolio growth while guiding clients through 3 cycles of recession.Career Highlights• Loan Origination Growth: Tripled loan originations in 3 years by retooling the acquisitions and account management programs at FlexShopper with no incremental marketing costs.• Product Development: Designed and launched new products at MoneyMart that drove revenue yield and asset growth while developing a multi-year product roadmap for the enterprise to drive topline and bottom-line growth across regions, channels, and segments.• Risk Innovation: Boosted online channel approval rate at Flexshopper by 130% and increased origination through new data sources, fraud defense, and UX improvements. Reduced fraud and credit risk losses by 15% by upgrading underwriting decision architecture with robust analytics, alternative data sources, and machine learning (AI / ML) risk models.• Asset Growth: Delivered significant asset growth for Money Mart through a robust integrated marketing / credit strategy that promoted installment loans across the network for Canada’s #1 non-prime lender.• Change Management: Played a key role in transforming Money Mart from a Payday Lender into an omnichannel FinTech and transitioned Bank of America culture from risk-based to profitability-based underwriting, resulting in substantial incremental profit.
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