Pushpam Raj

Associate Partner

London, England, United Kingdom15 yrs 7 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

13+ years in Credit Risk and Predictive Analytics.
Expert in developing PD, EAD & LGD models.
Proficient in SAS, SQL, Python, and R.

Stackforce AI infers this person is a Fintech expert specializing in Credit Risk and Predictive Analytics.

Contact

Skills

Core Skills

Credit RiskPredictive AnalyticsFraud DetectionData Analytics

Other Skills

Data DevelopmentPredictive ModelingRegulatory ComplianceFraud Risk MitigationData AnalysisModel ValidationStatistical InsightsCapacity PlanningCustomer Attrition AnalysisData-Driven InsightsCost OptimizationCustomer SatisfactionData ModelsBayesian Logistic RegressionModel Development

About

Risk & Analytics Leader with 13+ years’ experience in Credit Risk, Predictive Analytics, and Regulatory Compliance (IRB, IFRS9). Proven track record of developing and calibrating PD, EAD & LGD models, delivering RWA optimization, and strengthening fraud detection strategies for global banks. Skilled in stakeholder management, regulatory submissions (ECB, PRA), and leading high-performing teams across risk domains. Proficient in SAS, SQL, Python, and R with advanced expertise in designing regulatory and risk solutions that drive compliance, profitability, and resilience in Banking & Finance.

Experience

15 yrs 7 mos

Total Experience

2 yrs 8 mos

Average Tenure

5 yrs 1 mo

Current Experience

Ey

EY Manager Quantitative Advisory Services

Apr 2021 – Present · 5 yrs 1 mo · London, England, United Kingdom

Pwc uk

MBA Project Consultant

Jul 2020 – Dec 2020 · 5 mos · United Kingdom

With advent of digital transformation in major projects, the methods & ways of conducting fraudulent activities and financial crimes has evolved compared to past decade. The project emphasis on recognizing these sources of financial crimes & bring out potential mitigation strategies.

University of warwick - warwick business school

MBA

Sep 2019 – Apr 2021 · 1 yr 7 mos · Coventry, United Kingdom

GMAT Score - 720 (Q49, V39)

Exl

2 roles

Engagement Manager/Assistant Vice President

Jul 2019 – Sep 2019 · 2 mos

As Assistant Vice-President Decision Analytics, managed a team of 10+ credit risk analysts to derive projects pertaining to data development/management and building predictive model for regulatory compliance (PD, EAD & LGD models). Developed probability of default scorecard model to ascertain customer default risk as per IFRS9 guidelines. Managed & collaborated with multiple stakeholders to derive data policy & variable creation as per regulatory requirements.

Data DevelopmentPredictive ModelingRegulatory ComplianceCredit RiskPredictive Analytics

Senior Manager

Sep 2016 – Jul 2019 · 2 yrs 10 mos

As Project manager/Engagement manager decision analytics, worked on developing credit risk & fraud risk mitigation strategy/fraud investigation analysis & scorecard model for large UK/USA based banks. As a part of developing fraud risk mitigation strategy & rules engine, managed data, derived data based insights and conducted segmentation/decision tree/random forest analysis to optimize the rule engine.
Developed credit risk acquisition & behavioral scorecard models, managed teams to conduct model validation & model monitoring for IFRS9 regulatory compliance reporting.

Credit RiskFraud Risk MitigationData AnalysisFraud Detection

Encore capital group

Assistant Manager Analytics

Jan 2015 – Sep 2016 · 1 yr 8 mos · Gurgaon, India

Developing Collection Analytics based statistical insights for the UK based Cabot Financial. Build capacity planning optimization model to streamline portfolio based capacity allocation. Conducted customer attrition behavioral analysis & modelling to reduce churn rate.

Statistical InsightsCapacity PlanningCustomer Attrition AnalysisData Analytics

Global analytics

3 roles

Team Lead

Promoted

Oct 2013 – Jan 2015 · 1 yr 3 mos

Worked on developing data driven insights for optimizing customer contact center cost & services . Managed a team of three business analyst to achieve improvement over credit risk underwriting, Fraud mitigation strategies & customer satisfaction score

Data-Driven InsightsCost OptimizationCustomer SatisfactionData Analytics

Senior Analyst

Promoted

May 2011 – Sep 2013 · 2 yrs 4 mos

Worked on developing data models, data dictionaries to enable credit card fraud detection insights. Built fraud detection models for compromised cards using bayesian logistic regression modelling.

Data ModelsFraud DetectionBayesian Logistic Regression