https://dream.weekday.works/redirectToHiringCopilotExtension/

Gain Credit (fka Global Analytics) is an alternative lending fintech with multinational operations. Operates two short-term alternative credit brands in the UK – Lending Stream and Drafty. Lending Stream provides four to six-month emergency term loans with instant decisions and same-day cash. Drafty is a personal credit line focused on millennials

●	Managing the customer account management team for Line of Credit (Drafty: UK near-prime online lending) product; responsible for managing credit risk 
●	Reduced portfolio pound-weighted bad rate by ~20%
o	Built Higher Cycle Risk Model to reduce first 5 months cumulative bad rate by ~40%
o	Optimized credit line reassessment strategy to offer periodic credit line increase to ~100% additional customers at ~25% lower bad rate
o	Optimized credit line assignment strategy to reduce first 3 months cumulative bad rate by ~25%

Led a team of six in building a new model suite to be used in redefined underwriting for simplicity and responsiveness

Managing Data Providers Team
● Served as point of contact for all data providers related queries, issues and variable definitions
● Responsible for exploration of new data sources which can be used for better underwriting

GAIN Credit is the new name for Global Analytics. The name change took effect across our group of companies worldwide. Global Analytics India Pvt Ltd will keep its name and will remain a subsidiary of GAIN Credit, Inc. 
For more information on the company please visit our page www.linkedin.com/company/gaincredit

Built Ensemble Model to predict a customer’s probability of default in first repayment cycle with ~5000 features using customer application and credit bureau data
● Used Univariate, Clustering and Recursive Feature Elimination methods for feature selection
● Built an ensemble of Logistic Regression, Random Forest and Gradient Boosting models
● 50% increase in the approval rate for new customer loan portfolio 

Built and implemented data cost optimization strategy aimed at reducing cost incurred in pulling customer’s credit bureau data
● Logistic regression to predict conversion (probability that a customer takes loan once approved)
● Saved 30% monthly data provider cost by rejecting customers with very low conversion rates

Built behaviour risk model to predict probability of longer term default of weekly paid returning customers using stepwise logistic regression technique
● Built new static and dynamic features based on customer’s behavioural data
● Achieved 14% higher profit (8 months profit) and 11% lower bad rate over existing strategy

New Customer Acquisition through Google paid search
● Used ad copy testing to determine best ad copies based on demographic variations.
● Used different bidding strategy for different campaigns to achieve 30% higher click through rate

● Cross-Compiled and ported Origyn Web Browser to set-top for net-surfing and video streaming
● Added 12 new features by implementing add-ons to a prototype used in GUI for DDGen product
● Key learning: Linux, JAVA, C

Hemant Kanakia

Inder S Mehta

Rajendra Pandhare

Jayant Chopade

Navneet Gosal

Amal Pramanik

Ashok Trivedi

Sadeesh Raghavan

VRS Software

Fresco Global

Swades Capital

Indian Angel Network

India Venture Partnership

Zaikenn

KarMic Design

Shiviling Shrishalappa Mahantshetti

Vishwakumara Kayargadde

Mahantesh K Pattanshetti

Kishore Reddy

Rajendra Galagali

SeshuPriya Golakonda

Aparna Vasanth

Abdul Aziz

Hemant Mallapur

Sunil Hosur

Rajesh Pednekar

Pundalik Satyanaik

Vinay Gaonkar

Eshwar Kedari

Muthukrishnan Chinnasamy

Venkanagouda k Patil

Sharad Sharma

Tasneem Mahant Shetti

Sunil K Goyal

Telnet Ventures

Vertexperts Consulting

Lex and Legal

Quibus Resources India

Rajasthan Projects

Magae Consultants

Vayavya Labs focuses on providing tools that enhance the productivity of embedded system designers and programmers. Its tools target the ‘First-Inflection-Point’ of the hardware and software in system design. Its flagship product DDGen is a device drivers automation tool. It serves its customers with ESL products and Engineering Services. It provides customers with Productivity enhancement tools for chip (IC); software teams and consistent framework for design teams within an organization etc. Incubated at NSRCEL in IIMB. Customers include Synopsys, Trident, NDS, Electra Plc, etc. Part of League of 10 of NASSCOM product conclave.

Productivity tools for Embedded System Developers and IC design engineers

Fintech || Analytics and Data Science || Credit Line Strategy

Arun Yadav