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Rajaram Balasubramaniam is an accomplished financial services professional with extensive experience in risk management, strategy, and analytics. Currently serving as Chief Strategy Officer and Head of Analytics at Aavas Financiers Ltd since November 2021, Rajaram previously held various senior roles at Citi from 2005 to 2020, including Head of Risk Policy for Deposit Products and Head of Credit Policy for Consumer Banking. Rajaram's expertise encompasses credit and fraud risk assessment, product management, and collections strategies, with a strong track record of enhancing revenue and minimizing losses across consumer banking products. Earlier career experience includes managerial roles at Standard Chartered Bank and ANZ, complemented by a solid educational foundation in accounting and commerce from recognized institutions in India.