Ajith Konda

• Conduct portfolio analytics for Farmer Credit Lending and Retail credit Lending Strategy (invoice based financing). Validate and Refresh the Risk Decision Policy Framework inclusive of segmentation, profiling, stress testing, cut-off setting
• Design portfolio MIS to facilitate tracking of various KPIs including delinquency, loss adjusted returns, customer profile trends, bureau and behavior score-card performance trends; Monitor and highlight any deviations to risk governance benchmarks for corrective portfolio actions.
• Policy Decisions of Interest rate across segments and repayment caveats have been formulated using Risk analytics models
• Developed early warning model to assess credit risk of partners and to allocate appropriate credit limit to customer and to device risk strategy across geography/product level
• Created lender level reconciliation to identify partners risk assessment with respect to lender line and to identify interest subvention and interest refund across partners
• Created ledger event tracking, buffer limit tracking and invoice level disbursements, and identified product level gaps and implemented measurable metrics which helped over 5 crores of buffer limit for early collection and transfer to lender and improved customer NPS
• Deliver portfolio insights and discuss credit strategy changes with all stakeholders including Financial services Head, Product head, Analytics head

Wholesale Credit Risk:

• Account Conduct Model: Built a behavioral Score for the Wholesale Banking Segment which can be used to identify risky accounts and thus help in Monitoring the quality of the portfolio
• Account Statement Review: Improved upon the existing logics to identify the Current and Savings Account statement behavior of the Wholesale Banking portfolio, this involves understanding each transaction at root level using mnemonics, source system and map the transaction description to classify them into the respective categories as requested by the Business and Credit team
  Intelligent Credit triggers: Credit triggers predominantly delay in salary drop in salary, Collection cash flows, payment of dues within x days post enquired for a new loan, etc
• Collections Analytics in Retail Credit Risk:
• Auto-Cure Credit Risk Model for Credit Card (CC) Customers: Designed Auto-Cure model for CC Customers of HDFC Bank across all billing cycles to identify customers' ability to re-pay the due amount without any intervention by the collection team thus helping the Collections team in optimal utilization of collections team, resulting in approximate savings of Rs.5 Cr for the bank annually
• Developed the early warning model for Personal Loans and Credit card customers soft bucket customers with 20% increase in accuracy over the existing model for same objective
• Repayment Models and PD Analysis across all buckets for TW, Auto and Unsecured Loans, Fraud detection in credit cards
• Aliasing with policy teams in setting up Repayment caveats
• Review and present business metrics to senior management like offer coverage, conversions, loss to competition,channel leakage, offer sufficiency basis internal and bureau data using Tableau/Excel.

• Associated with the Advisory module for implementing end to end Banking solution to a client
• Designed solution covering Wealth Management chain from client on-board to portfolio management