Chalapati Rakesh

Corporate Credit Risk Analytics:

• Curating the Pre-Approved, Pre-Qualified and eligible leads for Current Account customers by underwriting.

• Developed and Implemented Probability of Default analysis for CA customers.

• Developed and implemented Differential Pricing strategy for Risk customers and Leveraging internal and external data to acquire new clients by publishing effective and actionable leads.

• Improved Conversion rate of 7 % for Pre-Approved leads.

• Reduced Operational cost by 2% by implementing pricing strategy for risk customer.

Transaction based Application Scorecard for Current Account Customers:

• Developed and Implemented an application scorecard for CAOD applicants.

• All transaction related data is to be used and converted into a single number or score.

• The score is representative of a customer’s credit worthiness.

• Reduced the rate of Defaulting customers from 2.3% to 0.8%.

Credit by Invitation to CA customers:

• Developed and implemented Customer's identification and salvation strategies to the customers vulnerable to attrition.

• Derived and analyzed data from Different kinds of external sources like CIBIL, Highmark to assess the credit worthiness of the customers.

•Proposed Strategy norms to product and policy teams.

•Retained loss of Rs.1000+ crores by enhancing stickiness to bank.

Emergency Credit Line Guarantee Scheme (Government of India Project):

• The main objective of this project is to provide collateral free automatic loans to all businesses under Aatma Nirbhar Bharat Abhiyaan scheme launched by Government of India during COVID –19 period.

• Developed strategy and underwriting customers as per RBI guidelines alongside internal banking guidelines.

• Analyzed both internal and external data to assess the credit worthiness of the customer.

• Sanctioned and Disbursed cumulative amount of more than Rs10000 crores to MSME customers.