Years Experience Management

MAHESH PAPPU

*** ****** **., ********** ** – ****9. 224-***-****. *************@*****.***

OBJECTIVE

• Apply my strong analytical skills to provide strategic solutions that drive Business growth.

PROFILE

• More than three years experience in developing analytical solutions to various international portfolios.

• Developed, scored and validated predictive models and scores supporting credit risk, collections, fraud and

marketing using regression techniques and decision trees.

• Presented information driven recommendations to senior management and business group stake holders.

• SAS Certified programmer with very good knowledge of SAS Macros, Angoss, MS Excel and Powerpoint.

EDUCATION

North Carolina State University, NC

Masters in Analytics (CGPA: 3.84/4)

National Institute of Technology Karnataka, India

Bachelors in Chemical Engineering (CGPA: 3.6/4)

WORK EXPERIENCE

BarclayCard, DE, USA - Senior Decision Science Analyst Jun’08 - Present

Developed an early default risk model for Denmark Portfolio to enhance the portfolio credit quality,

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simultaneously driving portfolio growth.

Stimulated the card portfolio growth by developing cross-sell response model. Based on the superior

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performance of the challenger strategy, the champion strategy was replaced.

Analyzed the Barclaycard Sweden portfolio to maximize the net card profit. A score matrix was generated on

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the Risk and Response score. Based on Revenue and cost components a P&L analysis was performed.

Selection of target population based on this analysis has resulted in a 10% growth in profit margin.

Designed a strategy to identify profitable segments in the German Portfolio using marketing data.

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Designed a credit line optimization strategy to maximize the outstanding balances for a given credit line

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exposure for German card portfolio. Developed two-stage regression models to predict the card utilization of

new applicants. These models were used to create sensitivity functions which were an input to the Credit line

optimization strategy.

Helped the business to estimate the future impairment requirements by building probability of default (PD)

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and loss given default (LGD) models for the Norway portfolio.

Modelytics.Inc, India - Consultant Jul’05 - Jun’07

Devised an algorithm to target the prospective customers through a mailing campaign for the promotion of

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financial products, within the framework of criterion constrains, in order to maximize the value/return on

investment.

Developed Balance Retention Strategy for a top ten credit card issuer in the US. Identified sources of Balance

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leakage, quantified their impact & made recommendations for retention.

Helped the client to decrease attrition rate and save the high value profitable customers by developing

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regression models to predict the likelihood of their existing mortgage loan prepay.

Developed a loss forecasting system, using time-series and macro-economic loss prediction approaches, for

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the US portfolio. Performed ad-hoc portfolio analysis to provide insights and strategies to clients’ risk

management team.

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Analyzed the clients’ US active mortgage portfolio base and developed a KPI reporting metric to drive

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business insights.

Performed an in-depth analysis of clients mortgage recaptured loan base to understand the refinance behavior

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of customers by segmenting the base on product type.

North Carolina State University - Practicum Project: Aug’07 - May’08

Analyzed the social network between employees of a local consulting firm to estimate their social importance

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to the company. Used SAS BI tools to present the results to the end user and a special purpose software called

eTelemetry for collecting network traffic data.

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