Rajaram Balasubramaniam Email & Phone Number | Over twenty-one years of experience in Consumer Banking across various functions, with extensive fully rounded Business and Credit Risk Management expertise. In-depth understanding of the Consumer Banking business, P&L drivers and international experience in all aspects of the Business. Results-oriented, with proven leadership skills and success in management and delivery across multiple functions in a high-pressure environment. Demonstrated success record in: - Design, management and evaluation of Credit programs & policies across credit life cycle - Designing and improving processes across credit / Product life cycle with a goal to improve efficiency - Leadership and Management roles with an ability to focus team efforts towards successful achievement of business goals, across multiple functions and geographies. - Decision making and implementation based on sound business knowledge and acumen, supported by keen analytical skills - Change management during all stages of business cycle with an ability of motivating staff to peak performance levels - Proven record of initiative and success in strategy design, implementation - problem analysis, conceptualization, evaluation and implementation of solutions CORE COMPETENCIES • Risk Management and Analytics • Consumer Business Knowledge • Collections Strategy • Financial Analysis • Fraud Risk Management • Budgeting/ Forecasting • Develop & Lead teams to success • Product Management • Systems Implementation • Scorecard development and usage • Bureau Strategies • Loss mitigation tools

Rajaram Balasubramaniam

Over twenty-one years of experience in Consumer Banking across various functions, with extensive ful...
Jaipur, Rajasthan, India

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Rajaram Balasubramaniam’s Email rajaram.balasubramaniam@aavas.in

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Rajaram Balasubramaniam’s Location Jaipur, Rajasthan, India

Rajaram Balasubramaniam’s Current Industry Aavas Financiers

Rajaram Balasubramaniam’s Prior Industry Citi | Standard Chartered Bank | Anz

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Work Experience

Aavas Financiers

Chief Strategy Officer (CSO) & Head of Analytics

2021-11-01 00:00:00 - Present

Citi

Head of Risk Policy (interim), Deposit Products (Last held role)

2013-02-01 00:00:00 - 2020-04-01 00:00:00

Standard Chartered Bank

Manager Front end Collections Strategy

2002-06-01 00:00:00 - 2005-05-01 00:00:00

Anz

Management Trainee

1999-01-01 00:00:00 - 2000-01-01 00:00:00

Skills

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Languages

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FAQ About Rajaram Balasubramaniam

Rajaram Balasubramaniam is located at
Jaipur, Rajasthan, India

Rajaram Balasubramaniam is a Over twenty-one years of experience in Consumer Banking across various functions, with extensive fully rounded Business and Credit Risk Management expertise. In-depth understanding of the Consumer Banking business, P&L drivers and international experience in all aspects of the Business. Results-oriented, with proven leadership skills and success in management and delivery across multiple functions in a high-pressure environment. Demonstrated success record in: - Design, management and evaluation of Credit programs & policies across credit life cycle - Designing and improving processes across credit / Product life cycle with a goal to improve efficiency - Leadership and Management roles with an ability to focus team efforts towards successful achievement of business goals, across multiple functions and geographies. - Decision making and implementation based on sound business knowledge and acumen, supported by keen analytical skills - Change management during all stages of business cycle with an ability of motivating staff to peak performance levels - Proven record of initiative and success in strategy design, implementation - problem analysis, conceptualization, evaluation and implementation of solutions CORE COMPETENCIES • Risk Management and Analytics • Consumer Business Knowledge • Collections Strategy • Financial Analysis • Fraud Risk Management • Budgeting/ Forecasting • Develop & Lead teams to success • Product Management • Systems Implementation • Scorecard development and usage • Bureau Strategies • Loss mitigation tools