May I introduce myself?

My name is Karthik Ramarathnam, I live in Bangalore with my wife and a eight-year-old

daughter.

I have close to two decades’ professional experience with leading organizations. I have
graduated from leading schools in India and USA: MBA from University of Minnesota, Minneapolis
& B.E. (Electrical Engineering) from VJTI, Mumbai. I have worked with some of the world’s leading
organizations IBM, GMAC, TCS with broad exposure primarily to the BFSI sector as well as other
sectors such as aviation/airlines, Healthcare, Retail etc.

Tried a stint at entrepreneurship a few years back as co-founder of a high-tech startup in the e-
learning space, tried to scale but exited because of funding issues.

I am an analytics evangelist and its application to solve industry problems. I have completed a
certification in Data Science giving me a broad overview on the various tools used for data
analytics (R, Python, SAS, SPSS); Reporting (Tableau, Qlik, PowerBi) and various modeling
techniques/algorithms such as regressions, supervised/un-supervised learning, Clustering
techniques, decision trees, CHAID analysis etc. Deep technical understanding of business
intelligence, statistical modeling and predictive analytics. I am also a PMP certified project
Management Professional (PMI institute USA - License # 3367543). I hold a valid H1-B US visa.

At TCS, I started off with the corporate strategy team advising management on margin
optimization, which lines of businesses are profitable, geographic expansion/contraction, sector-
wise analysis etc. I also led the Anti-Money laundering implementation for one of the leading
banking clients in Canada. As the program manager, I managed the entire program leading a
team of 30+ talented Business Analysts, Developers, testers to deliver to client expectations.

In my tenure with IBM, I have participated in several Digital Transformation exercises for various
clients globally – catering to close to a dozen major clients in Asia, Europe and the US for business
development, solutioning and delivery of Digital-themed programs, and worked with automation,
IoT, artificial intelligence, e/m-commerce, machine learning etc.

I have been a restless inventor / solution-builder and have authored a few white papers while at
IBM. I am keen to work on developing industry solutions using research, innovation & cutting edge
technologies – such as exploring AI neural networks, Blockchain, Cloud etc.

Carpe diem
2024
 KARTHIK RAMARATHNAM
E-308 Temple Trees Apts, Kanakapura Road, JP Nagar Bangalore-78 • karthik.ramarathnam8@gmail.com
Ph: +91-829-157-3012 • Valid H1-B Visa holder

MBA in Finance and Strategy from a top 25 US business school. Deep interest & exposure across various
sectors in global markets (US, Europe, Asia) and entrepreneurial environments. Excellent understanding of
SUMMARY technology and applications. Outstanding academic and professional track record. Proven ability to work
with cross functional teams & in cross cultural settings. Passionate about innovation & emerging
technologies.

SKILL SET • Financial Management • Data Analytics • Product Management

• R, SPSS, SQL, Teradata • Industry Analysis • Competitive Intelligence
• Risk Management • Tableau, Qlik • Statistical Modeling

EDUCATION Indian School of Business (ISB) Hyderabad, India

Venture Capitalist Development Programme , Sep 2008
• Corporate finance modules & case studies on Business Planning & opportunity evaluation
• Project finance evaluation based on NPV, IRR, DCF modeling methodologies

Project Management Professional (PMP – PMI institute USA) License # 3367543

UNIVERSITY OF MINNESOTA Minneapolis, USA

Carlson School of Management Jun ’04- May ’06
Master of Business Administration, (GPA 3.6/4.0)
• Recipient of the Carlson School of Management merit scholarship
• Analyst, Carlson Finance Enterprise (a hands-on experience with fund management)

V. J. TECHNOLOGICAL INSTITUTE (V. J. T. I.), UNIVERSITY OF BOMBAY Bombay, India

Bachelor of Engineering , Electrical Engineering, May 2000
• Top 1% of Bombay University students. Graduated with honors

EXPERIENCE Tata Consultancy Services (TCS) Oct 2018-Present

Sr.Manager Analytics India
• Program Manager for a leading client : conducting & managing daily scrums; leading a team of Business
analysts, developers & testers to deliver program objectives
• Building performance dashboards for financial/sales data using QlikSense platform; helping leadership
drive decisions
• Managing a project team with accountability for deliverables, billing, allocation, governance, scope,
training, new proposals etc.
• Worked on mortgage analytics-use cases for machine learning, lending dashboard, reporting automation
for a leading banking client

Analytics Consultant Jan 2015-Sep 2018

(Hinduja Global, PHH, Ebay, Fannie Mae) India, USA
• Statistical analysis on mortgage portfolios and analytics for loss mitigation, risk, foreclosures, etc.
• Prepared a BRD for an internal credit scoring model to comply with FHA/HUD regulatory norms
• Identified analytics opportunities across various lines such as Finance, Marketing, Operations etc.
• Making recommendations to senior management on proactive actions to be taken based on data analysis
• Working closely with the business and capital markets teams to define and build financial risk models
• Applying SDLC and good understanding of testing methodologies/Agile/Waterfall

Latentview Analytics Chennai, India

Analytics Consultant Sep 2013-Aug 2014
* Doing research on prospective clients / industries for Big data analytics engagements; prepare
marketing/sales collateral
* Worked on data analysis to compare market intelligence metrics of McDonalds with competitors
* Statistical Techniques: Data Mining, Linear Regression, Logistic Regression, Time Series Forecasting,
Anova, Manova, Chaid analysis, Cluster Analysis
* Conducted detailed analysis using SPSS, for Microsoft marketing analytics helping identify target
segment customers & appropriate channels for marketing campaigns; spends ROI
* Underwent training on data visualization tools such as Tableau, Qlik Sense
 IBM India Pvt. Ltd India, USA
Sr.Consultant – Business Strategy Dec 2009-Jul 2013

• Served fortune 500 clients across sectors such as financial services, Oil & Gas, Travel
* Engaged in strategy consulting client facing assignments in financial services, E&U, T&T, Hospitality,
Telecom sectors. Participated in Process Enhancements, Risk assessment studies and made
recommendations to client.
* Worked extensively on Agile development methodology and business requirements analysis
* Identified appropriate tools and assets and created strategic service offerings
for Business Analytics for the Global Electronics industry
* Market Assessment & potential estimation of US IT Asset Management systems; made
recommendations to Senior Management on investment decisions based on analysis done

General Motors Acceptance Corporation – Residential Capital Corporation (GMAC-Rescap)

GMAC-Rescap is a leading Real Estate finance company worldwide and is a subsidiary of General Motors
Global Leadership Development Program Jul 2007 – Nov 2009
One of 7 people selected in the whole organization. Rapid promotion to GLDP. USA, Europe, India
* Prepared a report for feasibility study for market entry strategy into the Polish mortgage market.
Analyzed macroeconomic and competitive environment and made recommendations
* Managed the liquidity and monitored cash positions for mortgage loans originated in Germany and
Netherlands
* Produced a peer group competitive analysis of benchmark deals for Dutch, German and Spanish
securitizations. Compared collateral characteristics and deal performance in terms of speed and credit
* Underwent training and development on Authentic Leadership, 7 habits (Stephen Covey), Effective
business communication, Negotiations, Conducting Interviews

Associate Consultant May 2006-Jun 2007

Worked on an exotic mortgage product (Payment Option ARM), first of its kind to be introduced in the US
mortgage market, with Goldman Sachs Minneapolis, USA
* Managed and improved the position report process that tracked daily P&L and collateral movements
* Coordinated efforts with Structured Finance and Product Management teams and worked on the go-
live of the prepayment penalty tool
* Modeled Prepayment penalty cash flows and developed processes to improve collection efficiency

PIPER JAFFRAY COMPANIES (PJC) Minneapolis, USA

Leading middle market investment bank and institutional securities firm
Associate, Project Strategy (Summer Internship) May 2005-Dec 2005
* Developed a reporting system that helps top management monitor company performance for negotiated
and competitive deals
* Created valuation models to help identify relative value of products
* Analyzed client portfolios and developed sales strategy for targeting clients

PARTYGAMING.COM Hyderabad, India

Entrepreneurial start-up that was listed on FTSE for $8.6B
Business Analytics Consultant Jan 2003-Jun 2004
* Worked on several analytics projects to drive top line growth and improve organizational processes

AUTOMATIC DATA PROCESSING (ADP) Hyderabad, India

ADP (India) is part of the Brokerage Services Group (BSG) of ADP Inc, a Fortune 500 company
Business Analyst Aug 2000 – Jan 2003
* Analyzed business needs and translated business requirements of clients (premier investment banks) to
technical design. Facilitated communication between business and technology groups
* Developed a system that automated the complete cycle of Corporate Actions for Lehman Brothers
* Served as lead relationship manager for two of the largest strategic business partners

EXPERIENCE IMS Learning Resources Pvt. Ltd Hyderabad, India

(part time) IMS is one of India’s leading test prep institutes
Part time faculty Mar 2002 – Apr2004
* Taught quantitative and analytical problem solving skills for All-India competitive exams

ACTIVITIES * President of students' council; University Representative in engineering college; Editor of college
magazine
* Speak 4 Indian languages; basic German, Dutch