Chitrabhanu Tamrakar

I’m a Senior Analytics Leader who turns complex analytics into executive-ready decisions across marketing and risk analytics. As a Senior Manager at EXL (Bengaluru), I lead end-to-end analytics for auto refinance portfolio and cross-sell programs, shaping pricing, risk, and growth strategy.

I’ve driven measurable growth while protecting performance—scaling the portfolio by 150% in monthly issuance while sustaining target profitability. I also unlocked ~$0.5M incremental monthly issuance through analytics and product leadership for cross-sell cohorts, and I delivered a 40% issuance uplift with stable loss performance through redesigning eligibility criteria, pricing frameworks, and underwriting policies.

I combine fair lending and regulatory analytics with deep data transformation. I lowered credit losses by 20% via underwriting policy optimization, support regulatory compliance through fair lending/credit review/portfolio performance analyses, and ensure 100% data accuracy during SAS to SQL migrations and SAS to Python/enterprise table transitions with audit-ready QC and control frameworks.

Earlier, I built growth engines with policy and product analytics—achieving a 28% increase in eligibility and a 340% surge through flexible loan term policies, and contributing to $10M new business through targeted market research. I’ve also led impactful data and ML work at Bright Money (e.g., 1000 monthly originations in 2 months for Credit Builder) and KrazyBee (fraud prevention using 720 network variables uncovering Rs. 1 crore, plus a 70% efficiency boost in credit collection), reinforcing my focus on scalable, innovative, and trustworthy analytics.