Tanish Meshram

To define, analyze, implement, and monitor credit risk strategies across products and segments.

Responsible for formulating policies and driving the implementation of acquisition strategy, line assignment.

Launched a robust applications scorecard and decided 100% of applications based on app score.

Re-launched the pre-approved program and rolled out the line assignment based on imputed income from bureau variables.

Portfolio monitoring to identify key trends in the portfolio, and aligning the credit policies.

Portfolio segmentation into good and bad customers based on delinquency and payment record.

Developing a framework to ensure consistent and accurate reporting, and portfolio reviews for early risk indicators.

Formulating policies for the post-acquisition offering, like rewrite, settlement, re-age, re-assessment, etc.

Forecasting the flow rates, bucket balances, and impairment numbers for financial planning.

Managed budgeting and loss forecasting for the X-Sell Product, ensuring cost efficiency to optimize profitability and operational performance.

Conducted regression and correlation analysis of credit penetration in the Indian lending market.

Led a data-driven analysis of credit accessibility across diverse Indian demographic segments.

Leveraged big data analytics to identify gaps and presented actionable insights via Power BI dashboard.

Utilized clustering techniques for pattern recognition and data validation for the data gathered.

Utilized R programming for data cleaning and analyzing large datasets exceeding 100,000 records.

Developed KPIs for tracking, benefits assessment, impactful outcomes, and an implementation plan.