KHIRODH MOHAPATRA
@khirodhmohapatra
I build credit risk models and automated MSME underwriting strategies.
IndiaWhat I'm looking for
At Annapurna Finance, I oversee credit risk analysis for a Rs.2,000 Cr MSME portfolio and support Rs.600 Cr in annual underwriting decisions. I optimize StrategyOne underwriting rules, improve portfolio quality, and strengthen delinquency monitoring.
Previously at Statinfer Software Solutions, I built PD, LGD, and EAD models across 10,000+ SME accounts and developed a PD scorecard using logistic regression. I also designed an Early Warning System that identified 85–90% of potential defaults more than 60 days in advance.
I use Python, SQL, SAS, Power BI, and statistical modeling to turn credit and financial data into risk-informed decisions. My work spans Basel/RBI-aligned documentation, IFRS 9 ECL estimation, scorecard development, and automated underwriting.
Experience
Work history, roles, and key accomplishments
Manager, Credit Risk
Annapurna Finance Pvt. Ltd.
Aug 2025 - Present (1 year 1 month)
Oversee credit risk analysis for a ~Rs.2,000 Cr MSME portfolio, driving Rs.600 Cr in annual underwriting decisions with disciplined NPA management. Optimized StrategyOne (CRIF) Business Rule Engine underwriting rules, sustaining 60–70% approval rates while strengthening portfolio credit quality.
Credit Risk Analyst / Data Analyst
Statinfer Software Solutions
Apr 2024 - Jun 2025 (1 year 2 months)
Built PD, LGD, and EAD models on 10,000+ SME accounts covering Rs.500+ Cr exposure, enabling Basel/RBI-compliant Expected Credit Loss (ECL) estimation under IFRS 9 principles. Developed Probability of Default (PD) scorecard with ~0.78 AUC, KS 35–40, and Gini ~0.55 using logistic regression.
Automated SQL and Python-based data validation pipelines, reducing manual QA effort by ~40% and improving data quality for downstream credit and risk analytics reporting. Developed ML-driven campaign analytics model improving customer conversion rates by 12%.
Education
Degrees, certifications, and relevant coursework
Veer Surendra Sai University of Technology, Odisha
Bachelor of Technology, Electronics and Tele-Communication Engineering
Bachelor of Technology in Electronics and Tele-Communication Engineering from Veer Surendra Sai University of Technology, Odisha.
DV Analytics
Data Science & Machine Learning, Data Science & Machine Learning
2023 - 2023
Completed Data Science & Machine Learning certification from DV Analytics in 2023.
Professional Certificate, Project Management
Earned the Google Project Management: Professional Certificate.
Availability
Location
IndiaAuthorized to work in
Salary expectations
Social media
Skills
Interested in hiring KHIRODH?
You can contact KHIRODH and 90k+ other talented remote workers on Himalayas.
Message KHIRODHGet matched with your dream remote job
Sign up now and join over 250,000+ remote workers who receive personalized job alerts, curated job matches, and more for free!
