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Credit Risk Leader specialising in Telecoms and Financial Services
Ranjit Krishna
,
EPSOM, United Kingdom
Experience
Other titles
Skills
I'm offering
A leader in credit risk, decision analytics and business transformation. Chartered Management Accountant.
A skilled commercial thinker. Thrives on transforming companies. Leads high-performing analytical teams. An expert in delivering financial and customer satisfaction results.
Passionate about helping people to define their vision and to create a clear strategy. Leads people to personal and collective impact on the company’s success.
Noted for bringing out the best in people. Inspiring to others through being positive, inclusive and a natural communicator.
A skilled commercial thinker. Thrives on transforming companies. Leads high-performing analytical teams. An expert in delivering financial and customer satisfaction results.
Passionate about helping people to define their vision and to create a clear strategy. Leads people to personal and collective impact on the company’s success.
Noted for bringing out the best in people. Inspiring to others through being positive, inclusive and a natural communicator.
Markets
United Kingdom
Denmark
(Remote
only)
Norway
(Remote
only)
Sweden
(Remote
only)
Finland
(Remote
only)
Links for more
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Language
English
Fluently
Ready for
Ongoing relation / part-time
Available
My experience
2015 - 2019
job
Head of Consumer Credit Risk Management
BT Group plc.
Responsible for the credit risk management of existing customers of BT, EE, Orange and T-Mobile
Effectively led a team of 34 Credit Risk professionals, across three key sites, including leadership of people managers
Drove strategies for In-Life management, collections and recoveries for consumers- to optimise customer retention and increase sales revenue - also owned Corporate/SME, for EE
Effectively led a team of 34 Credit Risk professionals, across three key sites, including leadership of people managers
Drove strategies for In-Life management, collections and recoveries for consumers- to optimise customer retention and increase sales revenue - also owned Corporate/SME, for EE
Risk Management, Leadership, Management, Sales, Retention, Data Science
2014 - 2015
job
Senior Credit Risk Manager
BT Group plc/EE Mobile.
Led a decision analytics team to develop credit risk strategies for Consumer/Business (policies, scorecards & decision trees)
Better Customer Management - created and improved credit risk data feeds into marketing campaigns to optimise customer targeting/sales, whilst minimising bad debt/churn
Successfully procured replacement In-Life Credit Risk system, including: detailed business requirements capture; shortlisting 5 vendor submissions down to 2; completing a head to head proof of concept with 2 vendors; agreeing commercial terms that delivered over £200k in annualised OPEX savings; and negotiating the legal contract with the selected vendor's US parent company
Better Customer Management - created and improved credit risk data feeds into marketing campaigns to optimise customer targeting/sales, whilst minimising bad debt/churn
Successfully procured replacement In-Life Credit Risk system, including: detailed business requirements capture; shortlisting 5 vendor submissions down to 2; completing a head to head proof of concept with 2 vendors; agreeing commercial terms that delivered over £200k in annualised OPEX savings; and negotiating the legal contract with the selected vendor's US parent company
Marketing, Management, Analytics, Sales, Manager
2013 - 2013
freelance
Senior Credit Risk Consultant
EE Mobile (including T-Mobile & Orange).
Successfully delivered an operational efficiency project within Credit Risk, which delivered OPEX savings using MS SharePoint
Represented the Credit Referrals team within strategic company-wide projects - documented requirements and risks
Delegated authority for Credit Referrals Manager (>60FTE) - carried out site visits and led employee engagement events
Represented the Credit Referrals team within strategic company-wide projects - documented requirements and risks
Delegated authority for Credit Referrals Manager (>60FTE) - carried out site visits and led employee engagement events
SharePoint, Employee Engagement, Change management, Business strategy, Interim management
2012 - 2012
freelance
Projects Manager - Revenue Assurance
EE Mobile (including T-Mobile & Orange).
Developed monthly profitability report and managed the roll-out to the off-shore managed service in India
Structured review of Orange brand's Revenue Assurance Control Framework through control assessments and SME interviews
Structured review of Orange brand's Revenue Assurance Control Framework through control assessments and SME interviews
Service, Off-shore, Framework, Manager
2010 - 2012
job
Revenue Assurance Manager
VISA Europe.
Brought in to create a new Revenue Assurance Team - to ensure the completeness, accuracy and timeliness of brand revenue streams
Represented Visa Europe during on-site audits with member banks. Advocated the features and support offered by the organisation
Represented Visa Europe during on-site audits with member banks. Advocated the features and support offered by the organisation
Support, Organization, Manager
2007 - 2010
job
Manager, Corporate Restructuring
Ernst & Young LLP.
"Order to Cash" diagnostic review for a large European telecom operator - successfully identified working capital opportunities over €50 million
Conducted a review of the end-to-end revenue integrity for a major mobile operator, presenting my findings and recommendations to the CFO
Implemented a new customer collections strategy for a US media business with operations in India, including site visit to South India and presentations to US client
Conducted a review of the end-to-end revenue integrity for a major mobile operator, presenting my findings and recommendations to the CFO
Implemented a new customer collections strategy for a US media business with operations in India, including site visit to South India and presentations to US client
Telecom, Working capital, Management Consulting, Business strategy
2000 - 2002
job
Business Analyst
Barclaycard.
Worked as a business analyst to process-map all consumer payment channels - used to help define business requirements for a new back-office payment operations system
Project-managed the development of software applications used by sales agents
Project-managed the development of software applications used by sales agents
Sales, Analyst, Development, Software, Office
1998 - 2000
job
Graduate Project Engineer
BAE Systems.
Developed complex project plans and monitored progress for engineering projects
Prepared and reviewed budgets for new projects
Prepared and reviewed budgets for new projects
Change management, Budgeting, Project planning, Mechanical Engineer
My education
2007
-
2010
Chartered Institute of Management Accountants
ACMA CGMA, Management Accounting
ACMA CGMA, Management Accounting
1997
-
1998
University of Birmingham
MSc, Operational Research
MSc, Operational Research
1994
-
1997
University of Birmingham
Bachelors, Mechanical Engineering
Bachelors, Mechanical Engineering
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