---
title: "Arvind Srinivasan - Credit Risk Strategy - Consumer Lending in Bengaluru | Tal"
description: "Meet Arvind Srinivasan, Credit Risk | PayPal || IIT(BHU) Varanasi based in Bengaluru."
image: "https://tal.club/meet/arvind-srinivasan/share-image"
---

# Arvind Srinivasan on Tal

## Headline

Credit Risk \| PayPal \|\| IIT\(BHU\) Varanasi

## About

Data Analyst/Scientist with experience in Consumer Lending/Credit Risk Strategy, Digital Analytics \(CX\) and Pharma/Healthcare Supply Chain\. Skilled in SAS, Python, SQL, R, Tableau, and SAP Materials Management\. Pursued 5\-Year Integrated Master's Degree specialized in Industrial Chemistry from Indian Institute of Technology \(Banaras Hindu University\), Varanasi\.

## Location

Bengaluru

## Work experience

Credit Risk Strategy \- Consumer Lending at PayPal, May 2021 \- Present · 5 yrs, Bengaluru, Karnataka, India, Credit Risk Strategy and Portfolio Management for BNPL \(US, EMEA, AU\) Jan'24 \- Present : \- Portfolio Management, Underwriting and Line Strategy for US BNPL Jan'22 \- Dec'23 : \- Underwriting and Line Strategy for BNPL \(Germany, UK, France, Italy, Spain, Australia\) \- Customer Level credit analysis for US \(BNPL \+ Revolve\) May'21 \- Dec'21 : \- Customer Level Underwriting Strategy for UK \(BNPL \+ Revolve\)

Assistant Manager at American Express, Sep 2020 \- Apr 2021 · 8 mos, Gurugram, Haryana, India, Digital Marketing – Membership Experience – Push Channel Analytics \(Portfolio: Email\) 1\. Email Inactive Modelling – Improving Sender Score • Built LightGBM, GBM and RandomForest models to predict Email Inactivity of a CardMember in the next 3 Months • Feature Importance of the variables was used to build the strategy to exclude Inactive CMs from Mailing List 2\. Digital Reach, Engagement and Insights Analysis • Analysed key channel metrics to optimise and drive customer reach and engagement • Key insights on Financials, planning of digital reach from Collections and Delinquency perspective 3\. Campaign Delivery Optimization • Analyzed end to end email journey from campaign creation systems to email delivery systems for bottlenecks and drop\-offs • Optimized data capture processes across the email journey systems for improved Campaign Deployment time

Business Analyst at American Express, Oct 2019 \- Aug 2020 · 11 mos, Gurugram, Haryana, India

Risk Analyst \- Consumer Lending at American Express, Feb 2018 \- Sep 2019 · 1 yr 8 mos, Gurugram, Haryana, India, Consumer Credit Risk – New Accounts Acquisition – Underwriting Strategy \(Non\-US\) \(Portfolio: Mexico, Canada, India\) • Credit Bureau Data – Create, validate variables using Bureau Data for underwriting strategy and acquisition risk model • Third\-Party Data – Variable creation, improved application processing time and enhancing customer experience • Portfolio Risk Management – Monitoring performance of different risk profiles for delinquency indicator • Strategy – Improved portfolio health, increased profitability by risky acquisitions, increased cards in force • Model Validation and Adjustments – Risk monitoring for model variable segments and recommend adjustment in risk scores • Recession Readiness and Volatile Segments Identification – Leveraging bureau, internal performance and model variables for standy\-by conservative strategy

Analyst at Novartis, Aug 2017 \- Jan 2018 · 6 mos, Hyderabad, Telangana, India, Supply Chain Analytics \(Portfolio: Sandoz – Global\) Sandoz Global Supply Chain Performance Reporting \- Weekly reporting activities include Pack\-Fill Rate \(PFR\) Report, Stock\-Out \(SO\) Report and Zero Stock \(ZSI\) Report\. Monthly reporting activities include On\-Time In Full \(OTIF\) Report, Days of Coverage Adherence \(DoC\) Report and Forecast Accuracy and Bias \(FAB\) Report\. Data Quality Management \- Manage/maintain data quality in Regulatory Compliance and Quality Management system using SQL\. Develop new enhancements as per the business requirements on a monthly basis\. Publish monthly global reports on Non\-compliant Data, Risk Mitigation and Performance Assessment\. Sandoz Global Master Data Governance/Management \- Create, manage and maintain Master Data for Sandoz Global materials in SAP\. Validate day to day material master data engagements in SAP for the global materials\.

Associate Analyst at Novartis, Aug 2016 \- Jul 2017 · 1 yr, Hyderabad, Telangana, India

Research Assistant at Indian Institute of Science \(IISc\), May 2014 \- Jun 2014 · 2 mos, Bangalore, Worked as summer intern for 2 months on a project on Application of Supramolecular Synthons in Molecular Memory Devices\. The project was theoretical research, whose aim was to identify appropriate molecule which could be used as molecular memory bits, as well as, be easy to guide the orientation of the arrangement of the molecules using the supramolecular synthons\.

## Education

Integrated Master's Degree, Industrial Chemistry, Indian Institute of Technology \(Banaras Hindu University\), Varanasi

St\. Mark's Sr\. Sec\. Public School, Janakpuri, New Delhi

[View the original profile](https://tal.club/meet/arvind-srinivasan)

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