Krishna Bhati

Company:

• MoneyView is a fintech start-up offering personal loans through a completely digital & paperless process.

Responsibilities:

• Led teams across new customer credit & currently overseeing policy for all 50+ lead-generating partners.

• Onboarded Tableau & led a dedicated team responsible for creating, maintaining & monitoring dashboards.

• Collaborated with Product & Tech teams for the seamless implementation of dozens of experiments.

• Played a key role in making credit architecture flexible by transitioning hard-coded rules into databases.

• Devised & implemented fraud defenses to reduce identity theft while balancing genuine customer impact.

• Actively participated in the hiring & training process, fostering the growth of high-performing individuals.

Reforms:

• Driving efforts to create a 100% resilient portfolio through repricing & valuations at micro-segmented level.

• Developed an ensemble ML model, leveraging the power of all data sources to streamline underwriting, improve rank ordering, & pricing, laying the groundwork for a framework change across programs.

• Drove small ticket PL business into profitability while contributing to 2.6x YOY credit-driven growth.

• Introduced foundational testing, challenging legacy policies to expand underwriting into new segments.

• Drafted policies for a "Low & grow" program for NTC customers by utilizing alternate data sources.

Introduced foundational testing, challenging legacy policies to expand underwriting into new segments.

• Drafted policies for a 'Low & grow' program for NTC customers by utilising alternate data sources.

• Created Python dashboard app hosted on AWS, enhancing automation, reporting & monitoring standards.

• Developed departmental budgets based on provided business goals and available assets, shaping each document for optimal financial outcomes.
• Ameliorated by automating internal and client communication resulting in average TAT of 7 minutes for any query across organisation.
• Prepared BRD and FRD and over looked development for In-house Lead Management System for 2 years.
• Monitored service delivery metrics to detect and correct deficits in compliance with standard operating procedures.
• Created standardized statistical models for use in enhancing and streamlining reporting processes across 4 departments.
• Compiled research data and gave professional presentations highlighting finds and recommended optimizations.
• Drafted quarterly and yearly reports on company's financial metrics to assess successes and account for deficiencies.
• Evaluated business requirements, leveraging information to forecast costs relating to hardware, software and consulting.

• DronaMaps creates 3D maps using drones to provide analytics & services to administrators of real estate.
• Successfully completed pilot, creating a 3D model of 8 km2 SEZ Industrial Area for the U.P. government.
• Pitched the business plan at i5 Summit, IIM Indore & partnered with Govin Capital to map villages of A.P.
• Awarded the best start-up in U.P. by the Honourable Chief Minister under the Most Innovative category in 2019.