K

kendraj kumar

Associate Consultant

Gurgaon, Haryana, India12 yrs experience
Highly Stable

Key Highlights

  • Expert in risk management and analytics.
  • Led teams in high-stakes financial environments.
  • Proven track record in developing risk strategies.
Stackforce AI infers this person is a Fintech Risk Management Expert with strong analytics capabilities.

Contact

LinkedIn

Skills

Core Skills

Risk ManagementBusiness Strategy

Other Skills

Business IntelligenceDatabasesMS ProjectManagementMicrosoft OfficeModelingPnL ManagementProcurement ContractsProject ManagementQuantitative AnalyticsRSAS BaseSAS E-MinerStatistical Data AnalysisUnsecured Loans

About

Challenge seeking young professional currently working to create value for the organization by harnessing the power of data in order to improve the productivity ,performance and policies. Having attended one of the prestigious school for Management education, I excel at Strategy and business analytics, Risk analytics related areas. My current assignment is with EXL . I am responsible for a large US Client to provide my consultation on Credit card risk strategies. Before Exl , my assignment was with one of the fastest growing BNPL fin-tech Mobikwik. I worked in Risk policy & analytics ( unsecured digital lending set up ) with a core objective of business growth in risk averse manner. Before Mobikwik my assignment was with Indusind bank with the core focus on digital channels and analytics. I worked as a full time decision scientist and worked in tandem with various product groups in consumer bank/business banking. Before Indusind, my assignment was with India Shelter Finance Corporation, one of the leading HFC of new age. I have co-managed few Critical projects in Risk , Finance and Sales. Before IndiaShelter, I have worked with Citi in consumer banking business (EMEA region -Dubai) Prior to MBA, I have worked with Reliance power in project management and planning areas to deliver measurable outcomes. In my career , I have been privileged to work with excellent teams and wonderful team leaders, in whom I am able to find mentor and friends at various stages of my life. Specialties: Risk management, Policy analytics, Collection analytics, P&L Management, Business Analytics, Business Modelling, advance analytics and machine learning

Experience

Exl

Senior Engagement Manager(SAVP)

Feb 2025 – Present · 1 yr 1 mo · Gurugram, Haryana, India / New York , United states · Hybrid

  • Responsible for Credit card and unsecured lending risk analytics related engagements for large US Banks
  • Leading a team of 25 consultants that are contributing to the engagement in different strategies
  • Supporting tactical & strategic risk analytics initiatives for US based banks’ Risk team
  • Managing teams & Develop risk policy for Underwriting, ECM Programs like CLI , CLD for Credit card /Credit Line /PL
  • Designing A/B testing frameworks with Design of Experiments (DOE) methodology to optimize risk management programs
  • Policy analytics to make sure correct customer segments are targeted and acquired
  • Recommending changes to business strategy and risk management policies
  • Building reporting/BI frameworks for Risk teams within the organization
  • Evaluating effectiveness of current policies & strategies, manage the monthly dashboards and ad-hoc analysis
  • analyzing tests & performance related to funnel performance, portfolio verification performance and post issuance loan performance
  • Clearly communicating analysis as presentations to technical & non-technical groups
  • Developing and maintaining effective working relationships with colleagues in other areas of Risk Management.
  • Summarizing analytical findings into presentations and share analysis & reports with senior leadership.
  • Maintaining a high degree of technical and policy understanding with respect to credit risk.
  • Managing assigned projects in a timely manner, ensuring accuracy and that deliverables are met.
  • Training, coaching and developing team members
Risk ManagementStatistical Data AnalysisBusiness StrategyPnL ManagementUnsecured Loans

Mobikwik

Senior Director

Jul 2021 – Feb 2025 · 3 yrs 7 mos · Gurugram, Haryana, India · On-site

  • Co-ownership of Digital Lending Product(BNPL/Shop on EMI) P&L
  • Lending funnel management
  • Risk Policy Analytics and BRE development with Tech teams and product teams
  • Co-ownership of collection Analytics and bucket wise resolution strategy
  • Monthly ECL Calculations to assist Finance team
  • Co-ownership of Developing Risk models along with DS team
  • Enabling cross functions w.r.t daily, weekly, monthly reports w.r.t Bounce, repayments, Penal, and other important vectors for respective decision making
  • Acting as a risk interface with Lending partners in order to get agreement on Line increase, decrease,opening up new segments etc..
  • Managing relationships with Bureaus w.r.t Risk
  • Co-ownership of growth along with Product and growth campaigns teams

Indusind bank

DVP (Decision Science)

May 2019 – Jul 2021 · 2 yrs 2 mos · Gurugram, Haryana, India

  • Responsible for 750 crs/ year incremental CA book from Analytics engagements
  • Responsible for 500 crs/ year Trade/Fx fee from Analytics engagements
  • Responsible for 1000crs/ year incremental DC Spends from Analytics engagements
  • Working closely with Product owners/portfolio managers across Current Account/Digital banking/Debit card/Credit Card/Retail Forex, to understand their priorities and translate those into analytics problem
  • Aligning with business to work across customer's digital journey.Defining and executing testing framework for different scenarios and hypotheses
  • Actively participating in country and regional scrums to co-create the foundation of overall portfolio strategy. Understanding the dynamics of the portfolio and the P&L impact
  • Developing machine learning use cases and guiding PMs on the adoption of new Big Data capabilities in the market
  • Proactively identifying and advising business managers on revenue growth opportunities by analyzing real-time transactions and customer behavior patterns
  • Communicating methodology and results to technical and non-technical audiences clearly
  • Participating in the regular organization’s strategy/management meetings to review KPI performance to recommend the next steps
  • Working closely with campaign team to execute insights to actions and track the responses
  • Key Analytics assets developed/monitored :
  • Digital Churn Model(Card &Mobile)| Digital Win-back Model (Card & Mobile)|Digital campaign push Data Cube| Heuristic Approach based Assets for Digital|Asset for Digital Habits|Trigger Based assets for Debit card and UPI| Digital Persona Based microsegmentation

India shelter finance corporation ltd

Senior Manager (Decision science)

Mar 2017 – May 2019 · 2 yrs 2 mos · Gurgaon, Haryana, India

  • Led a team of 2 analysts in DS team
  • Led initiatives relating to the optimization of existing departmental policies
  • liaised with regulators/Auditors for Default prediction model Validation for forward looking asset provisioning as per IND-AS109/IFRS9
  • liaised with Rating agencies/Analytics partners for in house model development
  • Responsible for RMC deck presented in Board meetings/Half year/Annual review by Directors
  • Responsible for Monthly credit pack and Risk classification of accounts
  • CBA and Risk Analytics for portfolio due diligence before buy out transaction
  • CBA and Risk Analytics for evaluating Various hedging instruments for risk avoidance
  • Facilitated joint brainstorming and team collaboration
  • Tools: R|VBA|spss|Power BI| tableau|SQL
  • Key Projects : Collection 360| Portfolio Risk classification algorithms|Credit Score card Model validation| Portfolio buy-out transaction due diligence| Hedging due diligence|ECL Computation(PD|LGD|EAD Modelling) for retail loan portfolio

Citi

Personal Banker

Apr 2015 – Jun 2016 · 1 yr 2 mos · United Arab Emirates · On-site

  • Worked in global consumer banking division of CITI
  • Managed book of citi private clients
  • Given product feedback to product managers to close loop the entire cycle
  • Assisted PM to develop bespoke products for citi consumers in MENA region
  • Assisted Channel heads /decision management team in lead prioritisation and boosting balances of the given book
  • Worked with consumer banking operations team to give inputs on process improvement and digital initiatives

Reliance energy

assistant manager (Execution Analyst)

Aug 2011 – May 2013 · 1 yr 9 mos · Mumbai Area, India

  • Role: Project Engineer(Assistant Manager)
  • Responsible for reading and analyzing key project documents and engineering drawings
  • Project management
  • Vendor coordination and billing
  • Adherence to key project guidelines and timelines
  • Responsible for monitoring technical tests and quality checks in Boiler
  • Material mismatch report writing

Education

Indian Institute of Management, Indore

PGDM — Finance and strategy

Jan 2013 – Jan 2015

Motilal Nehru National Institute Of Technology

Bachelor of Technology (B.Tech.) — Mechanical Engineering

Jan 2007 – Jan 2011

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