Shwetha Ramnath

Credit Strategy Manager

Best Egg

Oct 2022 - Current (3 years 1 month)

Monitored, designed and developed Credit offer strategies for efficient loan pricing and fees for personal loans and implemented loan offer strategy architecture and redesigning projects Performed champion/challenger tests(A/B tests) and tracked test output for effectiveness Developed new strategies based on financial impact and goal-based assessments Liaised with Decision Science team to develop adaptive loan pricing models and tests

Market Risk Analyst

Xcel Energy

Feb 2021 - Feb 2022 (1 year 1 month)

G

Pricing analyst

Gates Corporation

May 2017 - Dec 2017 (8 months)

Developed financial tools and models that will result in more accurate customer profitability assessment to assist in decision-making of business opportunities. Achieved profitability goals by analyzing product pricing and profit strategies for end markets and customers. Reported ad hoc metrics and factors affecting pricing and promotions Analyzed price-volume trends for certain product SKUs for review by senior management.

Credit Analyst

JBS USA

Apr 2016 - Apr 2017 (1 year 1 month)

Successfully designed a performance reporting system using Qlikview tool for the A/P department for determining the source of expenses and costs for the management to make cost-saving decisions Effectively analyzed financial statements to determine credit risk and credit worthiness of prospective and existing businesses requesting trade credit lines Communicated with Sales and collections team to resolve issues with clients/businesses for smooth operation Negotiated with the clients the credit decisions, based on financial analysis Ad hoc evaluation of trade and bank credit Performed business analysis and benchmark analysis on new or existing customers, comparing them to industry norms

Market Risk Analyst

Hongkong and Shanghai Banking Corporation Ltd

Apr 2011 - Apr 2013 (2 years 1 month)

Reported risk sensitivities and metrics for investment-based decisions for portfolios spread across a global market Back-testing, stress testing VaR, validating IRC Routine monitoring of limits and excesses in investment portfolios, analyzed trends for management review Delivered on a project involving automation of IRC related calculations using excel macro

Shwetha Ramnath

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