Vishal Raj

About Vishal Raj

I don’t just analyze data. I build risk decisioning systems. ↓ Because in…

Experience

1. Lead Assistant Manager - Analytics

   EXL

   Jan 2024 — Present · Gurugram, IN

   Managed $25M+ US Personal Loans portfolio; led risk monitoring, credit policy, underwriting optimization, thin-file identification, and credit scoring using predictive modeling, look‑alike models, and debt estimation algorithms.•Built Early Warning System (EWS) for NPA/delinquency prediction; delivered PL/CC/SLR dashboards for underwriting exceptions, enabling data-driven decisions, portfolio analytics, loss mitigation, and credit exposure optimization.•Analysed credit card acquisition funnel performance by segmenting applications across sources,customer profiles, card types and underwriting stages to identify conversion bottlenecks and optimise approval KPIs.•Performed Fraud loss segmentation analysis by categorising suspected and confirmed fraud across customer life cycle (MOB), enabling targeted risk mitigation strategies for credit card.•Redesigned a fraud operation dashboard to track alert volumes, agent decisions and performance against KRIs, enhancing visibility into fraud detection efficiency.•Conducted funnel analysis on authorisation data to correlate fraud losses and disputes volumes with mastercard’s scoring models, identifying optimisation opportunities to reduce false positives and enhance fraud detection accuracy for CC.•Designed and implemented early fraud detection mechanisms leveraging predictive indicators to proactively mitigate risk exposure. Enabled timely intervention strategies to minimize financial losses and enhance operational resilience.

Education

• SRM IST Chennai

  Bachelor of Technology - BTech, Electronics and Communications Engineering

  2016 — 2020