Ravisankara Malladi
@ravisankaramalladi
Senior credit risk analyst specializing in SAS-driven risk, marketing analytics, and data governance.
What I'm looking for
I am a senior credit risk analyst with over a decade of experience in risk management, database and digital marketing analytics, decision sciences, and data governance. I specialize in SAS programming, SQL, and large-scale data handling to deliver accurate reporting, model-ready datasets, and actionable insights.
I have developed and automated numerous SAS programs and operational reports supporting credit line increases, balance transfer programs, portfolio monitoring, and compliance reporting. I regularly extract, validate, and transform data from Oracle, Teradata, flat files, and enterprise systems to produce MIS, vintage, and SLA reports that drive policy and campaign decisions.
I bring strong attention to data quality, process improvement, and cross-functional collaboration—building dashboards, controls, and ETL mappings while mentoring peers and ensuring reproducible, efficient analytics workflows that reduce risk and improve business outcomes.
Experience
Work history, roles, and key accomplishments
Sr. Credit Risk Analyst
Citi Cards
Dec 2015 - Oct 2025 (9 years 10 months)
Developed and automated SAS programs and reporting for credit line increase campaigns, balance transfer programs, and risk/exclusion reporting; produced portfolio-level analytics and vintage analyses that informed FICO cut decisions and reduced losses. Built SLA and compliance reports, automated NDM scripts and processes, and supported campaign automation in Encompass for consumer and commercial p
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Ravisankara hasn't added their education
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