Arvind Krishnappa came to WVU in 1994.  He chose WVU since it was the only school that offered him an assistanceship.  His area of interest was operations research and Dr. Iskander was his advisor.

When Arvind graduated, he went to work for Avis Rent-a-Car as an operations research analyst.  Originally Arvind worked for Avis under the OPT (Optional Practical Training) program.  Avis sponsored him for a Green Card.  He was able to gain U.S. citizenship after a number of years and significant legal costs.

While at Avis, Arvind realized that he had the theoretical background he needed, but also needed more computer skills to operationalize models he was developing.  Arvind gained a second master’s degree in Computer Science at NYU part time.

Arvind decided to pursue a career in a new industry and decided to apply his skills in the finance industry.  He secured a position as a Senior Programming Analyst at Morgan Stanley.  He was at Morgan Stanley for a little over a year.

Arvind then transferred to JP Morgan Chase.  At JP Morgan Chase, Arvind worked on credit risk management, pricing/profitability management for auto financing, funding analytics, and loan pricing and valuation.

When asked if there was a sense of the coming of the great recession, Arvind comments:  “We were concerned about growing loan delinquencies.  What we didn’t foresee was the liquidity crisis.  JP Morgan Chase didn’t invest in risky financial products and wasn’t hurt as much as other financial institutions.  The payment incentives were wrong since they didn’t consider the loan risks, but just looked at the volume of loans.”

When asked about the role of an operations research analyst in a financial organization, he comments:  “We really need different perspectives.  My problem solving skills are a great asset.  I’m able to test different risk scenarios, assign probabilities and do expected value pay off analysis.”

Arvind moved from JP Morgan Chase to an entrepreneurial financial institution where he is now an Executive Vice President.  Santander Consumer focuses on automotive financing.  With a focus on risk analysis, Arvind often has to walk a fine line of expressing risk concerns without dampening the entrepreneurial nature of the organization.

When asked about the challenges of being from another country and working in the U.S., Arvind comments:  “Many of our top leaders in the financial industry and consulting are from international backgrounds.  In my 22 year career, I‘ve had an American boss, followed by two Russian bosses and now an American boss whose family immigrated from Palestine.”

We are a richer nation because of the intellectual talent of students who come to America to study and choose to stay for their careers.


Arvind Krishnappa
EVP, Decision Sciences at Santander Consumer USA


Results-oriented Finance & Risk Analytics Professional with a proven track record of managing loan portfolios.
– Treasury experience managing interest rate risk, portfolio funding, capital, and liquidity for the Chase
lines of businesses – a $450b balance sheet with a diverse array of product classes
– An in-depth experience with risk based pricing, product development, price elasticity analytics,
profitability management, and balance sheet forecasting.
– Successfully managed credit risk for the $15b private label auto portfolios. Utilized advanced
quantitative analytics to manage credit policy and maximize portfolio returns.
– Developed an effective competitive analytics capability within Chase Auto Finance to benchmark
performance relative to key competitors and exploit market opportunities.
– Cross-functional leadership experience with design, development, and implementation of risk
scoring models, automated decisioning, and strategy for loan originations.
– Experience leading a global team of analysts. Demonstrated success in improving revenue and
market share.

Specialties: Interest Rate Risk Management, Earnings at Risk (EaR), FTP, Capital Allocation, Liquidity, Risk Based Pricing, Risk Models, Revenue Management, Operations Research, Auto Finance, Consumer Credit Risk Management


EVP, Decision Sciences at Santander Consumer USA
February 2016  –  Present
Responsibility for pricing and profitability management of loan and lease originations

SVP, Pricing & Loss Forecasting at Santander Consumer USA Inc.
July 2014  –  Present
Responsible for auto loan pricing, loss forecasting, modeling and analytics

VP, Treasury – Chase Community Banking (CCB) at JP Morgan Chase
February 2013  –  June 2014 (1 year 5 months)
Funding analytics, Interest rate risk (IRR) management, capital allocation, loan pricing and valuation

VP, Financial Managment at JP Morgan Chase
October 2010  –  January 2013 (2 years 4 months)
Pricing and profitability management for Chase Auto Finance

Vice President, Credit Risk Management at JPMorganChase
February 2004  –  October 2010 (6 years 9 months)
Credit Risk Management of private label auto loan portfolios

Senior Programming Analyst at Morgan Stanley
April 2002  –  January 2004 (1 year 10 months)
Key member of the initiative to build the Automated Customer Account Transfer System to facilitate transfer of securities in and out of the firm

Operations Research Specialist at Avis Rent A Car
October 1996  –  May 2002 (5 years 8 months)
As a pivotal member of the Operations Research Group, developed large scale optimization models for revenue management and fleet management.


NYU Stern School of Business
MBA, Finance & Accounting, 2005 – 2008
New York University
MS, Computer Science, 1997 – 1999
West Virginia University
MS, Industrial Engineering, 1994 – 1996
National Institute of Technology Warangal
Bachelor of Technology (BTech), Mechanical Engineering, 1990 – 1994

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