Jan 2022 – Jul 2023 · 1 yr 6 mos · Bengaluru, Karnataka, India · Hybrid

• 1. MPI Licensing Project Leadership (MAS Approval):
• o Led the MPI licensing project and achieved in-principle approval from the MAS, demonstrating effective project management and regulatory compliance expertise.
• 2. Global Policies & SOP Implementation:
• o Designed and successfully implemented comprehensive Policies and SOPs for AML-CFT, EWRA, Underwriting, Customer Management, and Collections across SG, IN, AU, and ID
• 3. Global Service Provider Evaluation and Negotiation:
• o Evaluated various global service providers for KYC and KYB solutions, as well as Transaction Monitoring tools.
• o Successfully negotiated and finalized an agreement with a prestigious firm, ensuring cost-effective and efficient compliance solutions.
• 4. Transaction Monitoring Rule Engine Implementation:
• o Designed and implemented a robust TM rule engine enabling real-time monitoring of transactions against structuring, fraud, and out-of-pattern behaviour, ensuring enhanced security and compliance.
• 5. Debt Capital Fundraising:
• o Raised, deployed, and managed a Debt Capital funding of $20 million from a US-based impact debt fund.
• o Partner with various law firms, consultants, fund managers and spearheaded the entire process, including structuring, compliance and financial due diligence
• o Designed and implemented a cost-effective fund flow structure to deploy the debt capital into AU and SG, resulting in a 12% tax savings
• o Successfully closed another debt round and finalized the structuring, securing commitments of up to $130 million from an institutional impact debt fund - fueling aggressive growth in the portfolios of IN and ID
• 6. Corporate Card Program Launch (India):
• o Spearheaded the successful launch of the Corporate Card program in India, overseeing pricing strategies, fund flow management, revenue structure development, and strategic partnerships, significantly enhancing the organization's financial offerings.

Jan 2020 – Jan 2022 · 2 yrs · Bengaluru, Karnataka, India · On-site

• 1. Team Building and Infrastructure Development:
• o Established and built the Credit, Compliance, and Policy teams from the ground up.
• o Led the Recruitment process, formulated Policies and SOPs, and developed foundational infrastructure.
• o Defined KPIs and performance metrics to measure team and process effectiveness.
• 2. Leadership in Credit Product:
• o Spearheaded Udaan Capital's largest credit product, Creditbuy, with a total AUM of approximately INR 400 Crores.
• o Demonstrated expertise in managing and growing significant financial portfolios.
• 3. Innovative Underwriting Process (Lenderless Flow):
• o Partnered with multiple data and service providers for API Integration to enable real-time credit assessment of applications
• o Successfully launched the Lenderless flow, an integrated and automated underwriting process.
• o This initiative resulted in notable improvements in TAT, Approval Rates, and overall Customer Experience.
• 4. Fundraising and Lender Partnerships:
• o Negotiated and secured deals under the FLDG structure with NBFCs.
• o Leveraged partnerships to enhance data access and financial services offerings.
• 5. Collaborative Business Development Strategies:
• o Collaborated closely with Business Development teams to strategize and implement frameworks, including:
• Limit Revisions: Contributed to the development of strategies for revising credit limits in response to changing market dynamics.
• Lockdown Playbook: Developed a playbook to navigate business challenges during lockdowns.
• Reopening Playbook: Created strategies for a successful business reopening post-lockdowns.

Jun 2019 – Jan 2020 · 7 mos · Gurugram, Haryana, India

• 1. Leadership in Core Bureau Product
• o Successfully led the Core Bureau Product team, overseeing both strategy and product and financial aspects.
• o Achieved optimization in site revisits, cost-efficiency in customer's bureau refreshes, and streamlining customer communications.
• 3. Quantitative Collections Prioritization Strategy
• o Designed and implemented a data-driven Collections Prioritization Model
• o Leveraged credit bureau data to optimize resource allocations within operations, resulting in more efficient and effective collections processes.

Jul 2018 – Jun 2019 · 11 mos · Gurugram, Haryana, India

May 2016 – Jul 2018 · 2 yrs 2 mos · Gurugram, Haryana, India

• 1. Managing Credit Card Prospect Acquisition Strategy for Mexico, UK, and Europe Cluster (EMEA):
• o Designed and launched innovative strategies aimed at optimizing approval rates and reducing write-off losses for the Mexico, UK, and Europe Cluster within the EMEA region.
• o Led the compliance approval process for various variables integrated into the model, ensuring alignment with local market compliance requirements and Amex Global Compliance standards.
• o Successfully implemented models and strategies within stringent timelines, resulting in a significant estimated cumulative EBITDA increase of $12.2 million.
• o Managed and led a team of 3 Business Analysts, overseeing the development and implementation of credit models for the Europe Cluster.
• o Achieved an average 5% reduction in application drop rates by launching a unified Global Proxy Income Model across 20 markets.
• o Collaborated with Mexico's Credit Bureau to implement a pre-screening approach, optimizing the top-of-the-funnel for credit card prospects.
• o Conducted in-depth evaluations of new data sources for potential inclusion in underwriting processes.
• o Analyzed advanced versions of FICO scores in Mexico and performed thorough RCA to gain actionable insights
• o Streamlined and automated multiple BAU processes within the team, including Reject Inferencing, Metrics reporting, and Adjustments.
• o Developed an extensive Data Quality Control (QC) framework for the team, earning recognition from leadership.
• 2. Development and Maintenance of PD, EAD, and LGD Models under Basel II Framework:
• o Developed PD (Probability of Default), EAD (Exposure at Default), and LGD (Loss Given Default) models under the Basel II framework.
• o Created market-level and cluster-level PD models and compared their performance and accuracy to inform decision-making.
• o Designed a new segmentation approach that blended business insights with ML algorithms, enhancing model accuracy and effectiveness.

Jul 2015 – Apr 2016 · 9 mos · Bengaluru, Karnataka, India

• Worked for leading Consumer Retail and Entertainment Conglomerates. Developed Market-Mix Models to attribute contributions of different media drivers to the net sales. Implemented statistical techniques to help the client focus more on specific media campaigns to improve their ROI.