Pallavi Bhatia

• Spearheaded credit and policy transitions during the TVS acquisition, including the development of a new reporting structure and revision of logic for credit and Risk reporting metrics.
• Led credit risk analytics for EMI card and consumer durable (CD) loan portfolios, driving a measurable reduction in delinquency rates along with Business growth.
• Development of Credit and Risk scoring models to enhance underwriting and portfolio accuracy.
• Built real-time risk dashboards with cross-functional teams.
• Conducted portfolio segmentation and loss forecasting.
• Ensured compliance with RBI and internal audit standards.

• Manage core CL business from credit and policy perspective.
• Drive credit strategy and portfolio risk management initiatives.
• Lead end-to-end project execution for key partners: Samsung, Flipkart, Amazon, Apple, Reliance, Flex-money.
• Define pricing structures and eligibility criteria across customer segments.
• Optimize profitability through customized credit offerings and performance monitoring.
• Leverage risk models and analytics to assess portfolio quality, concentration, and credit risk exposure.

(Promoted from Assistant Manager to Manager to Senior Manager)

• Managing the risk costs by maintaining the dynamics of Approval rate and Risk along with having Automatic approvals strategy.
• Simple and client friendly application requirements, fast processing time and reasonable process costs for retail loan portfolio.
• Policy formulation and Maintaining scoring models, constant monitoring and updating of decision engine setup.
• Conducting pilots testing different sources of big data and incorporating proven ones into existing processes - social networks, telco and utility providers, payment processors, PS location etc.
• Managing team of 50 experts and quality assurance team while continuously improving results.
• Risk Analytics, Fraud Management and Collections and Training in order to achieve operational efficiencies and minimize losses.
• Calculation of loan loss provisions, forecasts of risk metrics.

• Risk Analytics, Fraud Management and Collections and Training in order to achieve operational efficiencies and minimize losses.
• Credit portfolio management of Consumer and cash loans: Automatic approvals strategy management , calculation of loan loss provisions, forecasts of risk parameters.

• Client Servicing, Portfolio Management and Predictive analytics.

• Analyzing the Risk Exposure for the client with the help of data provided also the Domain of Analytics has been explored with the Report creations daily deliverables.

• IT Solution provider in Logistics industry :Worked on 'Revenue Optimization and Management System'.

• Performed the Role of an Intern thereby absorbed as permanent employee.
• Worked on: Forecasting and predicting current and future deliverables and capacity utilization.

• Worked on a Project 'Public private partnership project of infrastructure.
• The procedure of funding analyses the credibility of the project based on cost-benefit analysis and past performance.