TEJASH KHAIRNAR
Bengaluru
Summary
An enthusiast for data-driven credit risk assessment with over a decade experience in credit risk & business analytics and related predictive risk modelling, loss forecasting, scorecard development, portfolio analytics for thin filed/new to bank/small businesses. Worked closely in integrating LOS, LMS systems to define 150+ early warning signals for 5 large public and private sector banks/NBFCs. Rated around 500+ businesses till date which includes credit ratings, scoring, and limit recommendations. Expert in predictive modelling for MSMEs (primary) and retail (secondary) credit risk and consultancy assignments by directly engaging with clients (banks/fintechs/vendors) across various unsecured and secured products such as CC/OD, term loans, supply chain finance, unsecured and secured loans, and channel financing using alternate and traditional data. Proven high level of ownership through expertise in project management where demonstrated ability to translate business requirements into technical specifications and vice versa through actionable insights. Outcome driven
Overview
14
14
years of professional experience
Work History
Head - Credit Risk Analytics
Crediwatch Information Analytics Private Limited
08.2020 - Current
- Built credit scoring and risk prediction/forecasting models and analytics systems for banks/NBFCs - strong domain knowledge with ML know-how enhanced model performance metrics to 85-90%
- Owner of key B2SME products - Trust score, Limit recommendation engine, banking data based predictive scoring
- Analysed variables from LOS/LMS/CBS banking systems to define early warning signals which are used by lenders for credit underwriting/ limit recommendation & risk monitoring - defined 150+ early warning signals
- Exposure to vast data points including bureau, banking private data (account conduct, covenants, DPD, collateral, transaction, LCBG, exposure, CRILC etc.), financials, consent data (bank statements,GST, ITR consent) and other traditional and alternate data for ML use cases
- Built a prototype under RBI sandbox for 'prevention and mitigation of business fraud' based on which my organization was selected in the sandbox
- Expert in project management with the ability to seamlessly translate business requirements to technical specifications and visa versa within tight deadlines
- Handled team of 8 members from diverse functions (developers, data analysts, credit analysts, data science)
- Part of the leadership team involved in radically improving product usage, touchpoints and coverage by redesigning flows/resolution through the development of products that provide actionable insights around credit risk to banks/NBFCs/FIs
Senior Credit Analyst
Dun & Bradstreet
08.2017 - 07.2020
- Credit rating of businesses - Includes MSMEs and corporates in the retail, industrials, auto, infra, IT, engineering and pharmaceutical industry
- Part of the 7-member internal rating committee & review team (which involved 2 senior analysts including myself and 5 line managers/assistant managers)
- The youngest member to be promoted to become a committee member within a span of 1.5 years
Rating Analyst
Crisil Limited
06.2011 - 04.2014
- Rating SMEs which involved management discussion, interaction with all stakeholders, rating rationale preparation, and report writing
- Awards - 'Executive Excellence', 'Outstanding Spirit', and 'Analyst of the Quarter' awards Core member in evaluation of Companies in CNBC's Emerging India Award Show for SMEs
- Training new recruits (selected exclusively for new branch in Gurgaon), mentorship, and other team leader tasks of case allocation/reviews on need basis
Education
Integrated Program in Data Analytics -
IIM Indore
10.2023
MBA - Finance
KJ Somaiya Institute of Management Studies and Research
04.2017
Bachelor in Mgt. Studies -
Mithibai College
03.2011
CFA Level 2 -
CFA Institute
Skills
- Credit risk modelling
- Credit ratings and research
- Banking analytics
- Data Science
- Python
- SQL
Timeline
Head - Credit Risk Analytics
Crediwatch Information Analytics Private Limited
08.2020 - Current
Senior Credit Analyst
Dun & Bradstreet
08.2017 - 07.2020
Rating Analyst
Crisil Limited
06.2011 - 04.2014
Integrated Program in Data Analytics -
IIM Indore
MBA - Finance
KJ Somaiya Institute of Management Studies and Research
Bachelor in Mgt. Studies -
Mithibai College
CFA Level 2 -
CFA Institute
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