Summary
Overview
Work History
Education
Skills
Additional Information
Timeline
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RAJESH KOPPULA

RAJESH KOPPULA

Suwanee,GA

Summary

Accomplished Product, Analytics and Finance Executive with progressive industry background and decisive leadership style. Offers strategic planning abilities, background in change management and forward-thinking mindset. Ready for challenges and focused on meeting future demands.

Overview

19
19
years of professional experience

Work History

VICE PRESIDENT

PRIORITY TECHNOLOGY HOLDINGS INC
Atlanta, GA
07.2022 - 06.2023
  • Responsible for building US Product team consisting of 8 Product Managers, circa 100+ Engineers (US, India), running three payment products lines (~80% of top line revenue) across Small and Medium Business segment and innovating company-wide strategic product initiative a.k.a as Passport
  • Key performance metrics are driving top line revenue growth of 20% on a revenue base of $600M+ and driving operational KPI’s to seamlessly process $110B+/ year in payments volume while resolving issues
  • Led a very complex M&A Integration of products across 4 different cultures and teams
  • Built a high performing DEI US product team in Atlanta HQ, consisting of 8 product managers and technical writers
  • Delivered on 2022 revenue and operational KPI’s leading to performance bonus (100%) and commendation letter from CEO
  • Led a very complex M&A Integration of product and technology functions across US and India development teams
  • Launched the Merchant Funding Instant Funding initiative in incremental steps across POC, MVP, MLP and Full Solution
  • Led the financial transformation, enabled SOX compliance, streamlined and improved CAPEX/OPEX ratio reporting
  • Managed product lifecycle from end to end - including gathering requirements, user experience, product and operations roadmap, go-to-market strategy, product release communication, coordination and launch across multiple domains and/ or products.
  • Hired and managed employees to maximize productivity while training staff on best practices and protocols.
  • Identified opportunities to improve business process flows and productivity.

Head of Product Management, WW Disbursements

AMAZON.COM, Inc – CONSUMER PAYMENTS
Seattle, Atlanta, WA, GA
03.2021 - 07.2022
  • Responsible for leading Amazon Disbursements (Payouts) products strategy and roadmap worldwide with payouts reaching ~$1T, building products and delightful payment experiences for 3P Sellers, Vendors and Accounts Payable use cases for 56+ Amazon businesses WW, manage KPI's, reduce defects in the pipeline through business ops and tech ops teams
  • Oversaw product design and roadmap and coordinated aspects of development and rollout.
  • Conceptualized long-range product roadmaps and strategically designed according to market data and research.
  • Closely collaborated with Consumer Payments BU, Consumer Retail BU, AWS BU, FinTech/CFO/Treasury/Corporate Development/Legal teams
  • Acted as a Quarter back for "On Amazon Payments" and "Payments Services" Operating Plan for 2022
  • Laid the foundations for disbursements long range plan for enabling FinTech 2030 vision
  • Launched the first real-time payment (RTP) disbursement transactions for Amazon Flex business and 3P Sellers in US
  • Led the product roadmap and evaluate Push to Debit opportunities for faster payments through card rails
  • Closed the Visa-Amazon Acceptance agreement to launch Visa Direct (Push to Debit) pilot across three use cases
  • Reduced counterparty risk and improved redundancy through launching new banking partners in US, JP, UK and EU
  • Managed Banking Partners roadmaps WW to help execute product vision for Amazon Disbursements
  • Led Partner Lifecycle management, partner performance and partner case management workflow systems.

Sr. Director

ONDOT SYSTEMS INC
Atlanta, Santa Clara, GA, CA
05.2019 - 03.2020
  • Built the Product Strategy and Analytics Playbook, conducted a thorough competitive research assessment and laid out 30+ product themes and solutions the company can prioritize to build around insights and differentiated data assets
  • Built the MVP, Product Strategy roadmap and Product Requirements for Transaction Insights leveraging the basic transaction-level data from Processors and FI’s using Tableau Server and Snowflake pipelines
  • Provided Sales Enablement and analytical support for the “Card App” Product Solution Suite and ROI model
  • Designed the data architecture and product vision behind Consumer Persona's, Preferences and contextual offer strategy by laying out a roadmap using un-supervised machine learning modeling techniques with Tensorflow, Keras, Scikitlearn
  • Assisted the CEO in building the leadership team and business development activities in Atlanta.

Financial Services Analytics Leader

EQUIFAX
Atlanta, St.Louis, GA, MO
09.2016 - 02.2019
  • Responsible for leading a matrix global team of 30+ Sr.Directors/Analytical Specialists/Analytical Consultants/Statisticians/data analysts in executing on projects and initiatives supporting the Verification Services Products P&L of Equifax Workforce Solutions (EWS) business unit (~$1B business unit of Equifax)
  • Key performance metrics are Sales Revenue enablement ($400M+ across Financial Services, Talent Solutions and Government Vertical), number of data driven POC’s/ new use cases/Self-Serve Insights that support New Product Innovations
  • Delivered results supporting ~ $400M+ in sales enablement, Product development, innovation, analytical consulting, data strategy, strategic insights, predictive modeling, development of new use cases for income verification products across the customer value chain and key verticals (Auto, Credit Card, Retail card, Consumer Finance, Online Lending, Debt Management, Capital Markets, Communication, Insurance, etc)
  • Led analytics and sales support efforts for multiple customer co-innovation and key client/strategic engagements such as Capital One Credit Card Line Increase Programs, Credit Karma, Barclays Credit Card, American Express, Citizens, Chase Mortgage, State Farm, PIMCO, PNC Bank DDA, US Bank Auto, PWC, etc
  • Created/Architected a new product use case for Auto Pricing Optimization and Auto Pricing Index using the TWN Overlays
  • Transformed and led the D360 with USIS/ multi-business units (BU) data assets initiative to overlay EWS data assets with enterprise data assets via strict data governance and implementation roadmap
  • Led key initiatives such as the development of The Work Number Risk Score POC’s across Auto, Card, Retail and Personal Finance Verticals, leveraging state of the art machine learning tools such as Equifax Advanced Model Engine (AME/AI/ML).

Founder & President

LENDLIFT INC
Atlanta, GA
05.2013 - 09.2016
  • Founded in 2013, LendLift, set out on a mission to help address the problem with high interest credit card debt by creating a credit card refinancing/payoff marketplace platform for people who do not have prime credit ratings
  • Responsible for building a founding team, set the strategy, build product/technical roadmap, business development, fundraising activities
  • Built risk-based products (CCAR, Macro Scorecards), solutions and financial literacy tools
  • Provided strategic vision and leadership for a dynamic and lean FinTech start-up
  • Conducted target market research to scope out industry competition and identify advantageous trends.
  • Pivoted from building an online marketplace platform to becoming an enabler in providing risk and data solutions
  • Built the brand, product, online platform, strategic partnerships, technology, risk/financial/marketing strategy
  • Key mentions & Conferences: Village Capital FinTech Finalist- Most Innovative Start-ups, Southeast US 2015, TAG FinTech Innovation Award Finalists-2014 & 2015, Venture Atlanta Business Launch -Semi-Finalists 2015, TAG FinTech Hackathon 2015, LendIt conference – 2013,2014 & 2015, TAG FinTech Symposium-Innovation Alley selected companies 2015 & 2016, Semi-Finalist at Swim with Sharks 2013, Finalist @ two Incubators in NY 2013.

Management Consultant

Bank of America, Randstad
Charlotte
07.2009 - 10.2023


  • Model Independent Validation: Consumer Deposits Credit Loss Forecasting:
  • Construct Independent Validation for Consumer and Small Business Deposits provision loss forecasting model
  • Reviewed the forecast models that predict Over Draft Hard $ amount & Over Draft Fee Amount through 180-day pipeline
  • Conducted documentation and methodology review for deposits credit loss forecasting model
  • Created performance assessment templates for back testing and RMSE calculations
  • Conducted performance assessment for Provision Loss amount, Overdraft balance per account, Overdraft balance & cure rates
  • Model Independent Validation: First Lien Mortgage Credit Loss Forecasting:
  • Reviewed the Subjective Yellow sheet loss forecasts that derive the D180 scalars for LBAC and LCFC portfolios
  • Performed Independent validation for D180 scalar calculations in loan level subjective adjustments for credit loss forecasting
  • Documented the scalar calculation process in the Model GP site for internal and external audits
  • Provided recommendations and approvals for D180 scalar calculations.

Management Consultant – Risk Management / Senior EDM/BPM Architect

WELLS FARGO, WACHOVIA
Atlanta, Charlotte, GA, NC
01.2009 - 01.2011
  • S3 is an executive search firm sourcing risk management executive to Banks
  • Reported to the SVP of Analytics, based in Charlotte
  • Responsible for analyzing credit risk performance of the consumer and small business card portfolios, evaluating existing credit exposure management strategies for the card portfolio as well as developing challenger strategies utilizing both batch as well as automated (TRIAD/TSYS) processes
  • Responsible for analyzing risk performance of the credit card products, management of existing reports, as well as developing new reports based on business requirements
  • Work in conjunction with Marketing and Product partners to develop/execute appropriate portfolio campaigns that are within risk tolerance
  • RAJESH KOPPULA as well as to monitor and evaluate post program performance in relation to key risk metrics
  • 50% time spent on Risk Performance Analytics, 50% on Loss Forecasting/Stress Testing
  • Accomplishments
  • Executed monthly loss forecasts (CCAR), allowances, TDR’s, stress tests for Wells Fargo portfolios ($16B receivables)
  • Executed BASEL II forecasts (PD, LGD, EAD) under various stressed scenarios
  • Advised C-level audience on portfolio delinquency trends and macroeconomic impact on credit losses
  • Executed customer selection forecasts for Wholesale, Wealth, Brokerage and Retirement business lines
  • Promoted twice and received two recognition awards from Chief Risk Officer.

Sr.Financial/Credit Policy Risk Analyst

HSBC BANK NA
Salinas, Minneapolis, USA
05.2004 - 07.2009
  • Responsible for Risk Management functions including portfolio management, predictive modeling and other analytical functionalities using complex databases and building strategies; Leading cross-sell risk and marketing analytics for product & channel marketing teams (50+ members) with $800 MM+ Gross Revenue for fee-based products
  • Responsibilities for Financial Analyst included leading financial planning and analysis, providing financial and technical expertise on projects requiring moderately complex financial analysis; Developing, enhancing and monitoring pricing models, forecasting models and revenue models; Preparing and analyzing Operating and Strategic plans, including quarterly forecasts
  • Managed the risk acquisition strategies for GMAC/RDR channels (GM Owners ~ $2B in receivables)
  • Developed the HSBC SAS 360 Audit tool for Metro2 bureau reporting for the charge-off accounts and resolved Metro2 bureau reporting issues across Card Portfolios
  • Corrected the credit reports for 5M+ customers
  • Built credit protection combo and custom response models for prime and non-prime portfolios. The new predictive models showed up to 33% improvement in Telemarketing strategy when compared to the existing models
  • Spearheaded the design for “OPTIMAX strategy – Marketing strategy based on response and revenue drivers”
  • Led the M&A and Integration of Risk Analytics functions of an acquired portfolio (Metris, $8B in receivables).

Education

MIT SLOAN SCHOOL OF MANAGEMENT + CSAIL
2023

MBA - Finance, Economics And Strategy

COLUMBIA BUSINESS SCHOOL | LONDON BUSINESS SCHOOL
London, New York, NY
05.2013

Master of Science - Industrial Engineering

University of Cincinnati
Cincinnati, OH
05.2005

Bachelor of Science - Industrial Engineering

Indian Institute of Technology - Roorkee
Roorkee, India
05.2002

Skills

  • Artificial Intelligence, Machine Learning
  • Data & Analytics, Data Science, Predictive Modeling
  • Product Management
  • Risk Management
  • Python, SAS, R, SQL, HADOOP, HIVE, IMPALA, Snowflake, MATLAB
  • Process Improvement
  • Complex Problem-Solving
  • Conflict Resolution
  • Business Consulting
  • Budgeting and Forecasting
  • Strategic Planning
  • Executive Leadership
  • Mergers and Acquisitions
  • Private Equity & Venture Capital
  • Financial Planning & Analysis
  • Corporate Finance
  • Capital Markets
  • P&L Responsibility
  • Analytical and Critical Thinker

Additional Information

· Married for 16 years with 2 girls.

· Love Asian fusion cooking, traveling, hiking, cricket, tennis and chess.

Timeline

VICE PRESIDENT

PRIORITY TECHNOLOGY HOLDINGS INC
07.2022 - 06.2023

Head of Product Management, WW Disbursements

AMAZON.COM, Inc – CONSUMER PAYMENTS
03.2021 - 07.2022

Sr. Director

ONDOT SYSTEMS INC
05.2019 - 03.2020

Financial Services Analytics Leader

EQUIFAX
09.2016 - 02.2019

Founder & President

LENDLIFT INC
05.2013 - 09.2016

Management Consultant

Bank of America, Randstad
07.2009 - 10.2023

Management Consultant – Risk Management / Senior EDM/BPM Architect

WELLS FARGO, WACHOVIA
01.2009 - 01.2011

Sr.Financial/Credit Policy Risk Analyst

HSBC BANK NA
05.2004 - 07.2009

MIT SLOAN SCHOOL OF MANAGEMENT + CSAIL

MBA - Finance, Economics And Strategy

COLUMBIA BUSINESS SCHOOL | LONDON BUSINESS SCHOOL

Master of Science - Industrial Engineering

University of Cincinnati

Bachelor of Science - Industrial Engineering

Indian Institute of Technology - Roorkee

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