Surendra Vinayakam
Hyderabad
Summary
Data science professional with extensive experience in risk management for e-commerce and banking sectors. Successfully led a team of data scientists to implement effective fraud prevention strategies for approximately 50,000 e-commerce merchants. Expertise in extracting actionable insights from large datasets and fostering cross-functional relationships to achieve organizational objectives. Committed to utilizing analytics for community impact and driving innovation.
Overview
12
12
years of professional experience
Work History
Manager, Data Science
PayPal India Pvt. Ltd
Hyderabad
05.2019 - Current
- Managing a team of five data scientists to deliver client engagements in Risk-as-a-Service products.
- Developed roadmap aligning team objectives with overall Large Enterprise Platform OKRs.
Collaborated with Product and Engineering teams to enhance PayPal’s risk management products for ~50,000 merchants. - Analyzed large datasets to detect fraudulent activities and formulate risk mitigation strategies for ~$100B payment volumes.
- Led and mentored cross-functional teams, driving actionable insights to optimize risk management processes.
- Identified and deployed new features for fraud detection in partnership with data engineering team.
- Devised methodology for ROI analysis, enhancing effectiveness of sales pitches.
- Benchmarked product-level KPIs against competitor data from external vendors.
Manager – Credit Models Management
Synchrony Financial
Hyderabad
08.2016 - 05.2019
- Manage 30+ credit and fraud models through the credit lifecycle
- Evaluated Vantage Score 4.0 as a replacement to FICO08 score at acquisition, directly effecting the decision making on $6.3Bn average credit line assignment on a monthly basis
- Built acquisition risk and first pay default models in collaboration with Trans-Union and Experian bureaus
- Evaluated 6 different vendor models for identity fraud prevention and also built a model using a combination of internal and external attributes (received from a third party vendor)
- Proposed strategies for identity fraud prevention thereby bringing in an annualized fraud loss savings of $20 mn
- Executed implementation testing of 13 models on multiple application processing systems
- Defend the models on review from model risk management (second line of defence)
- Founding member of the credit models management team in India, scaled the 2 member team to a current size of 8 people
Manager – Business Intelligence Unit
ICICI Bank
Hyderabad
02.2015 - 08.2016
- Retail Assets Analytics: Collections (including Credit cards) and Credit Bureau-based Analytics for Mortgage, Auto & Commercial Vehicle Finance and Personal Loans
- Loss Forecasting for retail product portfolios of the Bank
- Optimization of the use of Bureau based triggers for all the retail products of the bank
- Pro Active Delinquency Management for retail product portfolios involving identification of customer risk and optimized channel allocation to bring down the delinquencies.
- Integrating BASEL risk and Proactive Delinquency strategy to utilize reporting data into actual collection strategy
- Benchmarking the ICICI portfolio with respect to competitors using Bureau data and creating collection strategies for region level Collection Managers
- PD and LGD computations for Personal Loans and Business Instalment Loans portfolios
Analyst, Risk Analytics
HDFC Bank Ltd
Hyderabad
04.2013 - 02.2015
- Building application, behavioural, collections scorecards for various assets of the bank to assess the credit risk of the customers at various levels
- Analyzing customer level data and suggesting product features and policy filters to improve the business without compromising on the asset quality
- Monitoring of existing credit cards scorecards being used by policy teams and quantification of the benefits derived from the scorecards
- Regulatory reporting of Dedupe NPAs and studying the patterns in the NPAs to suggest ways to minimize them and validating the system enhancements in NPA reporting
Education
MBA -
SBM, NMIMS Mumbai
04-2013
B.Tech. (EEE) -
NIT Warangal
04-2009
Skills
- Python
- SQL and Google BigQuery
- Base SAS
- Data Analysis and Machine Learning
- Fraud Detection, Credit Modelling
- Team management
- Stakeholder engagement
- Risk Management and Policy
- Community Impact
- Problem Solving
- Payments
- Banking
- E-Commerce
Timeline
Manager, Data Science
PayPal India Pvt. Ltd
05.2019 - Current
Manager – Credit Models Management
Synchrony Financial
08.2016 - 05.2019
Manager – Business Intelligence Unit
ICICI Bank
02.2015 - 08.2016
Analyst, Risk Analytics
HDFC Bank Ltd
04.2013 - 02.2015
MBA -
SBM, NMIMS Mumbai
B.Tech. (EEE) -
NIT Warangal
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