Rohit Raman

About Rohit Raman

At Barclays, our team has transformed credit authorization and abuse strategies, propelling Barclaycard towards enhanced security and customer satisfaction. With a solid background in model risk management, I\'ve played a pivotal role in developing robust credit strategy models, including underwriting scorecards and ECM strategy models.Leveraging SQL and SAS, we\'ve driven business analysis to new heights, mastering the intricacies of loans underwriting, pricing, and assignment strategies. Our collaborative efforts in authorizing Barclaycard transactions have set industry benchmarks, all while fostering an environment ripe for cross-functional innovation and strategic leadership in the financial sector.Launched low utilized CLD strategy to manage the capital risk for the bank by reducing the RWAs by >$1bExpanded into Inactive Closure strategy to manage RWAs by helping reduce RWA by >$150m.Expanded Overlimit Auth Strategy into subprime segment to generate >$100m in incremental balances in 1 year. Enhanced Payfloat/Payhold strategy to prevent>$16m in incremental losses by holding the payment.Launched Barclays first Loans cross sell underwriting strategy.

Experience

1. VP Credit Strategies

   Barclays

   Mar 2021 — Present · Philadelphia, PA, US

   I lead enterprise‑scale credit authorization strategies and drive modernization of risk decision frameworks, ensuring resilient controls, regulatory alignment, and measurable portfolio impact.I own and lead ECM credit authorization strategies across the U.S. card portfolio, driving end‑to‑end lifecycle execution from design and modeling alignment to governance, validation, and performance optimization. My work strengthens enterprise controls, modernizes risk decisioning, and ensures regulatory‑aligned strategy execution at scale.I deliver measurable portfolio impact, including ~$16M in three‑year loss savings through optimized Payfloat strategies and enhanced risk segmentation. I strengthen portfolio treatment logic, refine customer impact frameworks, and elevate decision precision across ECM programs. My work consistently improves loss mitigation, customer experience, and regulatory alignment.I am recognized across the organization as a trusted strategy owner and subject matter expert, guiding cross‑functional teams and senior forums on credit strategy, modeling alignment, and governance excellence.Launched Low utilization CLD strategy to reduce RWAs by >$1b and created a customer journey to enhance customer experience by launching line reinstatement strategy and enhanced customer communication.

Education

• Birla institute of technology,Mesra

  BE, Computer Science and Engineering

  2006 — 2010

Skills

• Informatica
• Unix Shell Scripting
• Vba
• Business Intelligence
• Linear Regression
• Oracle
• Data Mining
• Requirements Analysis
• Unix
• Matlab
• Sas Programming
• Predictive Analytics
• Risk Analytics
• Time Series Analysis
• Data Warehousing
• Sas
• Logistic Regression
• Business Analytics
• Data Analysis
• Analytics
• Business Analysis
• Predictive Modeling
• Sas/Sql
• Pl/Sql
• Sql
• Core Java
• C