Rajat Kumar

Six years of experience in credit risk strategy, analytics, and model validation across global financial services. Delivered $20M revenue uplift at HSBC through data-driven credit line strategies deployed across 15+ markets. Deep expertise in credit card lifecycle analytics — underwriting, portfolio management, and collections — with hands-on proficiency in SAS, Python, SQL, and statistical modelling.

Proven ability to translate complex quantitative analysis into executive-ready strategy recommendations.

Senior Analyst - Strategy Consulting at HSBC (2022-04 – 2025-06)

• Delivered $20M in revenue uplift by redesigning credit line management strategies — optimising credit line decrease, increase, and assignment frameworks to improve spend activation and risk-adjusted returns across new and existing card portfolios, with concentrated impact in UK and Malaysia.
• Developed and maintained credit program policies and risk tier frameworks — a 5-tier model for new customers and PRG for existing customers — driven by income, utilisation, debt-to-income ratio, and application score, standardising credit risk decisions across 15+ markets and regulatory environments.
• Built an XGBoost and clustering-based risk decision platform with an interactive UI — enabling risk heads to configure NCL rate, recovery rate, and segmentation variables to simulate policy outcomes and emerging portfolio trends in real time across global banking operations.
• Engineered a 5-step vintage-level loss forecasting pipeline in Python — projecting 30+ vintages through roll rate application, unit charge-off estimation, and balance control ratios to derive dollar loss rates — packaged as a web app with audit trail, reducing turnaround from months to weeks.

Business Analyst - CCAR Model Validation at EXL Service (2020-12 – 2022-04)

• Validated 8 CCAR credit risk models aligned with risk management standards — monitoring KS, PSI, MAPE, PDO, and Gini against regulatory benchmarks; performed vintage and Roll-rate analysis ensuring portfolio and model health across existing customer, new customer, and collections portfolios
• Delivered quarterly model governance reports to senior stakeholders — ensuring regulatory alignment and timely escalation of model performance issues in line with CCAR requirements
• Automated quarterly data extraction and validation reporting pipeline in Python/SAS — reducing manual effort by ~60% and ensuring timely delivery of CCAR compliance reports

Senior Analyst at Arkatechture ( Go Global ) (2025-07 – 2026-06)

• Designed and delivered a data governance platform for 50+ financial services clients — enforcing role-based access controls, audit trails, and data integrity checks on production data, reducing operational risk and manual intervention turnaround from days to minutes
• Applied infrastructure-as-code practices (Terraform + Bitbucket CI/CD) to deliver consistent, governed data configurations across 50+ client environments — ensuring standardisation and auditability at scale

Bachelor's of Technology in Metallurgical & Materials Engineering – NIT Jamshedpur (2016-06 – 2020-06)