Phanindra Maddula — Associate Consultant

Driving Transformational Change Through Analytics, Operational & Credit Risk, and Strategic Insights With over 11+ years of experience across BFSI, retail, and manufacturing domains, I bring a proven track record of driving business growth through data. My expertise lies in transforming complex datasets into actionable insights using SAS, SQL, Python, and Tableau - unlocking new opportunities and enhancing decision-making at scale. 🔍 Credit Risk and Regulatory Expertise Developed and validated Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), and Expected Credit Loss (ECL) models in line with Basel III and IFRS 9 guidelines. Performed credit exposure monitoring and risk-weighted asset (RWA) calculations to support regulatory reporting and capital adequacy assessments. Leveraged SAS and Python to automate scorecards, perform reject inference, and support stress testing and scenario-based risk analysis. Enhanced fair lending compliance by identifying potential bias in lending decisions using statistical modeling and segmentation techniques. 📊 Operational Excellence Through Automation Reduced reporting time by 90% by automating data pipelines using Python and SAS, enhancing efficiency and accuracy. Built real-time Tableau dashboards that improved stakeholder visibility and reduced manual effort by 50%. 📈 Revenue Growth & Cost Optimization Achieved a 15% uplift in campaign-driven revenue through advanced customer segmentation and targeting. Uncovered $1.2M in operational cost savings through predictive analytics and performance modeling. 💡 Advanced Analytics & Customer Insights Improved loan pricing models for a leading Australian bank, increasing net interest margins by 10%. Increased digital engagement by 20% through multi-channel customer analytics and A/B testing. 🧠 Leadership & Capability Building Mentored 10+ analysts in risk modeling, advanced analytics, and best practices in data governance. Spearheaded the onboarding of 20+ data professionals and contributed to capability enhancement programs. 🔐 Data Governance & Compliance Ensured 100% adherence to data quality and governance standards (Availability, Accessibility, Accuracy) in BFSI projects. If you're looking to connect with a strategic thinker who blends deep domain knowledge in credit risk with cutting-edge analytics capabilities - let’s talk. I’m always open to collaboration, innovation, and driving measurable impact through data.

Stackforce AI infers this person is a Data Analytics and Risk Management expert in the BFSI sector.

Location: Bengaluru, Karnataka, India

Experience: 8 yrs 9 mos

Skills

Data Analytics
Customer Insights
Risk Analytics
Compliance

Career Highlights

Over 11 years of experience in BFSI and retail sectors.
Expert in transforming complex datasets into actionable insights.
Proven track record of driving business growth through analytics.

Work Experience

Fractal

Senior Consultant (4 yrs 8 mos)

Synchrony

Analytics Manager (4 yrs 1 mo)

IBM

SAS Developer (9 mos)

Genpact

Junior Consultant (2 yrs 1 mo)

Dell Technologies

SAS Analyst (1 yr 8 mos)

Education

Bachelor of Technology - BTech at Ramachandra College of Engineering RCEE

Phanindra Maddula

Associate Consultant

Bengaluru, Karnataka, India8 yrs 9 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Over 11 years of experience in BFSI and retail sectors.
Expert in transforming complex datasets into actionable insights.
Proven track record of driving business growth through analytics.

Stackforce AI infers this person is a Data Analytics and Risk Management expert in the BFSI sector.

Contact

Skills

Core Skills

Data AnalyticsCustomer InsightsRisk AnalyticsCompliance

Other Skills

Analytical SkillsAnalyticsAuthenticityBase SASBusiness AnalysisBusiness IntelligenceBusiness TransformationCXO level engagementCustomer AnalyticsData AnalysisData VisualizationData WarehousingDatabasesEmotional IntelligenceExtract, Transform, Load (ETL)

About

Experience

8 yrs 9 mos

Total Experience

4 yrs 4 mos

Average Tenure

4 yrs 8 mos

Current Experience

Fractal

Senior Consultant

Sep 2021 – Present · 4 yrs 8 mos · Bengaluru, Karnataka, India

Client : Qantas
Title : Manager
Role : Analytics Specialist
Project Description:
I am working with a major Australian-based client, Qantas, as an analytics specialist. Here, we are focusing on loyalty points. Qantas offers flights, hotels, travel appliances, etc. So, we are analyzing customer behavior regarding how they use loyalty points whether they purchase with cash, points and cash, or solely with points taking into account age groups and gender.
Responsibilities:
❖ Analyzed customer behavior for Qantas, a major Australian-based client, focusing on loyalty point’s utilization across flights, hotels, and travel appliances.
❖ Evaluated purchase patterns to understand how customers use loyalty points, including cash purchases, points and cash combinations, and points-only transactions.
❖ Utilized demographic segmentation (age groups, gender) to enhance insights into customer preferences and behaviors.
❖ Provided actionable insights to optimize loyalty program strategies and enhance customer engagement.
❖ Collaborated closely with cross-functional teams to implement data-driven decisions and improve program effectiveness.
❖ Contributed to strategic discussions and initiatives aimed at increasing loyalty program participation and customer satisfaction.

SASPythonData AnalysisCustomer AnalyticsData VisualizationData Analytics+1

Synchrony

Analytics Manager

Jun 2017 – Jul 2021 · 4 yrs 1 mo · Hyderabad, Telangana, India

❖ Worked as a ‘Manager’ in ‘Risk Analytics’ ‘Synchrony Financials’ (GE Capital)
Client : Synchrony Bank
Title : RISK Analytics
Role : Manager
Project Description:
Working with different kinds of analytical Risk projects using base SAS/Python/R for writing the
codes or scripts. Using Tableau for Visualizations.
Responsibilities:
❖ Working with Risk Projects
❖ Working in the second line of defense is the compliance- and risk-related functions. We are
responsible for providing guidance and oversight of the first line of defense. Additionally, we
are responsible for proactively testing and monitoring high risk areas to ensure policy,
procedures and processes implemented by the first line are working as intended to comply
with rules and regulations. will identify the risk and put a control to it.
❖ Being an Individual contributor, which helps me to understand the process in and out.
❖ Involved in multiple risk projects need to check and present about different kinds of risks
coming in.
❖ Using big data tools for some time to get the data and modify the data.
❖ Putting a control for FLT metrics
❖ Managing risk involves actions beyond establishing and communicating policies and
procedures at a high level
❖ Continuous monitoring is the process and technology used to detect compliance and risk
issues associated with an organization's financial and operational activities.
❖ We will identify and define potential risks that may negatively influence a specific company
process or project.
❖ I am managing the Fraud_ILD and ELD, LBRTO proc
⮚ Working in Analytics team.
⮚ Analyzed Predefined SAS codes.
⮚ Understand the code structure & flow to complete the quality work on given time.
⮚ Understanding the structure of the report and running the reports.
⮚ Generating Daily, Weekly, Monthly, Quarterly and Year end reports.
⮚ Working on Ad-hoc requests related to the reports.