Ravisankara Malladi

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.