Apr 2019 – Oct 2020 · 1 yr 6 mos · Mumbai Area, India

• Business lead for Instant Loan on Credit Cards and EMI on Credit / Debit Cards

Jul 2015 – Mar 2019 · 3 yrs 8 mos · Mumbai Area, India

• Analytics lead for:-
• Customer management for credit & debit card: responsible for balance, spends growth & customer engagement initiatives like retention and upgrades
• Merchant acquiring business: responsible for end to end business analytics

Oct 2013 – Jun 2015 · 1 yr 8 mos · Mumbai Area, India

• Member of Existing Customer Management (ECM) - Credit Risk Policy for $14+B Sears Private Label and MasterCard portfolio of Citi Retail Services.
• Overall oversight of Credit Line Management channel - including line increase, invitation to apply for line increase, line decrease and account closure strategies
• Designed and implemented risk segmentation for proactive and contingent line increase strategies with expected annual sales impact of $100+M
• Designed, tested and implemented multiple High Risk Line Decrease / Closure strategies using multiple predictors like negative bureau triggers, score migration etc.
• Spearheaded multiple invitation to apply for line increase campaigns. Coordinated closely with marketing team to effective using line increase / invitation to apply campaigns as methods of customer engagement
• Toolkits: SAS, VBA, Access, Excel, Powerpoint, CHAID

Apr 2012 – Sep 2013 · 1 yr 5 mos · Mumbai Area, India

• Member of Existing Customer Management (ECM) - Credit Risk Policy for $14+B Sears Private Label and MasterCard portfolio of Citi Retail Services.
• Designed, tested and implemented multiple Authorization policies, including over limit authorization pad strategies and delinquent pad strategies - with a total sales benefit of $50+M per year
• Strengthened card authorization oversight by completely redesigning the monthly MIS report
• Designed a Risk Appetite Ratio (RAR) Framework for New Accounts in the portfolio. Was used as a pilot for other portfolios in Retail Services
• Spearheaded several other analytics initiatives including Help-Watch-Grow segmentation, Deceased card holder account treatment etc.
• Toolkits: SAS, VBA, Access, Excel, Powerpoint, CHAID

Jul 2010 – Mar 2012 · 1 yr 8 mos · Mumbai Area, India

• 1. India market entry strategy design for a leading European life insurance player
• 2. Sizing of Indian cash management market as a part of a due diligence piece
• 3. Analysis of the degree of "systemicity" of large global banks on a relative scale through comparison of impact of their failure
• 4. Advised on the global lending strategy of an European bank
• 5. Strategic review of non-life bancassurance opportunity across multiple geographies for a global FS giant
• 6. Credit portfolio model review for a major South-east Asian Bank

Apr 2009 – May 2009 · 1 mo

• Supported in preparation of a preliminary working capital model for an EPC company

May 2007 – Jun 2007 · 1 mo

• Optimisation of algorithm for conversion of MPEG2 video to MPEG4 format