Koyyana Prabhakar Rao

hone 92%99:3932;;4 er!kprabhakar"gmail!com 0angalore, .ndia Profile Summary

5 years of experience in Credit Risk management, proficient in Statistical tools & techniques coupled with excellent business understanding of portfolio. Consistently rated exceeds ro!en ability in leading team & expectation for high quality managing analytical pro"ects from conception to completion. deli!ery, inno!ation and mentorship

Summary Skill set

Credit Scoring & Policy redicti!e modeling *logistic, linear, sur!i!al-, Segmentation *C<+.'-, Clustering, /ptimi$ation, strategy de!elopment Portfolio M S & tracking 'e!elop, automate, monitor and pro!ide insights to business *S+S,S=(,7S%/ffice Decision #ngines 8xtensi!e knowledge of 1R.+' *+uthori$ation, ricing, Credit line, Re%issue modules-, S7)> and /8

Key Professional Accomplishments

Scorecard Development #nderstand the business requirement, si$ing, performance definition, segmentation, re"ect inference, model de!elopment, alignment, ad!erse action reason codes, !alidation, performance e!aluation, swap%set analysis and implementation support Risk scorecards across product life cycle& acquisition, portfolio management and collections ' & ()' models to make appropriate pricing for consumer auto loan product Response & customer attrition models for marketing initiati!es Credit Risk Strategy Development C(' *+uto,+d hoc- strategy for credit cards to identify high risk segments and minimi$e exposure, C(. * roacti!e,Reacti!estrategy to generate profitability at permissible risk le!el, Re% pricing strategy to mitigate high risk /S authori$ation strategy *o!er limit & delinquent +cquisition policy to increase appro!al rate at gi!en loss & !ice% !ersa and Credit line assignment strategies 0alance growth initiati!es for portfolio through acti!e and in% acti!e 0alance 1ransfer strategies Risk strategy for marketing programs like ay & )et to liquidate the portfolio bad balances (oss forecast to predict the 23 months & 34 months losses Portfolio Dashboard & MS 'e!elop and generate dashboards and pro!ide key insights for !arious products and processes necessary for senior management5s in!estment decision Set%up processes like batch re%acti!ation and model monitoring 'e!elop S+S macros to significantly reduce man hours Key nnovations 6ew method of alignment using macro%economic factors at 7S+ le!el 8!aluate & define high risk triggers using retail and authori$ation data Concept of balanced scorecards to e!aluate performance of scores

Professional #$perience %&yr'

Citibank (A Citibrands Risk Scoring +pr 522 ? resent *2 yr > months )P Morgan Chase 7ass +ffluent Credit olicy /ct 5:9 ? 7ar @22*2 yr A months *S+C (A (CC +ccount 7gmt. Credit olicy +uto finance Risk modeling Bun 5:; ? Sep 5:9 *3 yr > months-

#ducation
Master of ,echnology .ndustrial & 7anagement 8ngineering ..1 Canpur 3::;*C) +D9.35,2: Master ,hesis .nstitute for 7achine 1ools & .ndustrial 7anagement 1echnical #ni!ersity 7unich 3::; +achelor of #ngineering 8lectronics & 1elecommunication 6.1 Raipur 3::5*+ggregateD;EF-

 'e!elop tool for !ariable short listing using )enetic +lgorithm in S+S .7(

Key Scholastic Achievements

<S0C 2:: Club semi%finalist recogni$ed at global le!el '++' Scholarship from )erman +cademic 8xchange Ser!ice +cademic 8xcellence +ward from ..1 Canpur Summer .nternship at 8GG Gharton 0usiness School # 866, re!enue prediction of upcoming mo!ies based classification & coding system roficiency awards for outstanding performance at school le!el from +0H and S8R(I