Summary
Overview
Work History
Education
Skills
Timeline
Generic

Ravish Chaujar

McKinney,TX

Summary

Driven, innovative, strategic Risk Professional and Process Owner with 10+ years of experience in delivering business solutions backed by analytics and intuition.

Overview

14
14
years of professional experience

Work History

Vice President

JPMorgan Chase
07.2022 - Current
  • Responsible for multi-year large scale projects managing integrations and acquisitions
  • Responsible for setting up Risk Framework for new product launches including key risk metrics (KRIs), reporting & controls
  • Recently Managed the launch of Merchant Working Capital (MWC) Canada Launch from Risk perspective to offer working capital to SMB clients
  • Established a new Forum within Payments Risk called MRAG to setup a robust Change Management framework for MWC to 1) capture approvals 2) cross functional awareness (legal, compliance, ops risk, controls & product) 3) implement strategy changes
  • Drove the integration of Commerce Platform (new in-house platform for merchant processing) by migrating Underwriting and Fraud rule management to Commerce.
  • Led the creation of a Steering Committee by partnering with multiple product owners for stakeholder alignment and manage escalations.
  • Managed governance for MS Risk including document management covering all functions with 100+ documents
  • Revamped the Business Resiliency process to reduce 10+ resiliency plans to 1 plan resulting in a huge time and FTE save
  • Managed a team of 2 senior associates to drive strategic initiatives and governance & controls processes

Vice President

JP Morgan Chase
08.2019 - 07.2022
  • Responsible for Merchant Services underwriting and fraud strategy for a $2T annual processing volume portfolio managing direct and indirect resources
  • 25% increase in efficiency at origination by automating and simplifying application review process
  • Enhanced fraud strategy to better identify fraud attacks and reduce losses by $1mm monthly
  • Built the controls framework and introduced KPIs to effectively manage controls
  • Led the integration of teams, controls, reporting, strategies during the recent WePay acquisition.

Vice President

JP Morgan Chase
09.2017 - 07.2019
  • Accountable for judgmental lending strategy, as well as controls and regulator & internal audit prep and interface for all of Credit Card Acquisitions in Risk Management
  • 82% reduction in manual underwriting volume by enhancing the auto-disposition process
  • Responsible for setting strategy for manual credit card lending decisions, ensuring the appropriate controls are in place for all of acquisitions (full app underwriting, invitation to apply, prescreen targeting, etc.)
  • Responsible for capacity forecasting to assist Lending Operations with staffing.

Senior Associate

JP Morgan Chase
09.2013 - 08.2017
  • Managed a team of 5 consultants for the Consent Order account review litigation remediation
  • Managed the Execution of financial calculations for Customer remediation as part of the Collections Litigation and SCRA Consent orders
  • Shared and explained results and recommendations to regulators and internal audit teams for sign-off
  • Led the build of a repository with customer and transactional data based on systemic and vendor provided data files to recommend appropriate treatments for customer remediation using SAS SQL.

Senior Associate

Capital One
11.2012 - 09.2013
  • Managed marketing acquisition campaigns using data to make strategic business decisions
  • Monitored response rates and recommended new strategies to constantly improve marketing acquisition campaigns
  • Automated data repository build process which supplied data to all Marketing data teams.

Associate

Wells Fargo
09.2010 - 10.2012
  • Managed a team of 7 Analysts to analyze and execute Marketing Campaigns for multiple products
  • Successfully piloted offshore execution of campaign work within Mortgage and Home Equity Marketing drastically reducing labor costs by over 65 percent.

Education

Business Analytics 1yr. Certification -

Northwestern University
Chicago, IL

MS in Computer Science - undefined

Marist College
Poughkeepsie, NY

BS in Computer Science - undefined

Guru Gobind Singh Indraprastha University

Skills

  • Risk Management
  • Risk Strategy
  • Data Analytics
  • Team Leadership
  • Relationship Building
  • Decision-Making
  • Program Management
  • Process Owner
  • Leadership communication and escalations
  • Change Management
  • Governance and Controls
  • SAS, SQL and Excel
  • Reporting

Timeline

Vice President

JPMorgan Chase
07.2022 - Current

Vice President

JP Morgan Chase
08.2019 - 07.2022

Vice President

JP Morgan Chase
09.2017 - 07.2019

Senior Associate

JP Morgan Chase
09.2013 - 08.2017

Senior Associate

Capital One
11.2012 - 09.2013

Associate

Wells Fargo
09.2010 - 10.2012

Business Analytics 1yr. Certification -

Northwestern University

MS in Computer Science - undefined

Marist College

BS in Computer Science - undefined

Guru Gobind Singh Indraprastha University

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Ravish Chaujar