Apr 2022 – Apr 2024 · 2 yrs · County Dublin, Ireland · On-site

• Global Risk Review reviews the Consumer and Private bank businesses of Citi to report to the Citi Board and create regulatory preparedness for the bank. Remit includes Secured businesses across Residential Real Estate, Citi Mortgage and Unsecured businesses for North America region.
• Established and led the Credit Risk review & Audit capability for Secured Risk Products for Citibank US Personal Banking including Mortgage and Private Bank Residential Real Estate portfolios for North Americas with receivables of $103Bn. Mentored and developed team members into strategic focus areas for the Risk Review function given the team was largely with Unsecured Risk background.
• ¥ Extensive travel through Citi’s US facilities covering Risk differentiated reviews including end to end coverage from Business strategy to originations and portfolio management for Secured and Unsecured Products/Cards including Co-Branded Cards (Costo, American Airline and American Eagle) reviews (receivables of 100Bn), Citi Retail services Macy’s and Best Buy review.
• ¥ Effectively guided Review teams of 10-12 senior members SVP/VP’s through tight timelines and Policy requirements to ensure high quality review outcome. Built CXO leadership commitment around remediation of issues coming out of the review and Board report to ensure appropriate remediation and regulatory preparedness.
• Drove effective challenge as independent risk leader for Mortgage Risk Management Strategy and Business Risk appetite framework, establishing a strong function under the risk head for the private bank RRE entity. Leadership in design, implementation, and embedding of the Risk Management framework for Risk review.
• ¥ For the Mortgage entities drove Quarterly business monitor covering Credit Risk Families including Business strategy, Acquisition trends, Organization changes, Profitability metrics (ROTA, RAR), monitoring key risk metrics highlighting key potential risk areas.

Dec 2017 – Mar 2022 · 4 yrs 3 mos · Gurugram, Haryana, India · On-site

• Led risk management for USD 2.5Bn Unsecured Cards and Personal loan lending. This includes the BAU monitoring and portfolio actions to contain the risk within the Bank’s risk appetite, creating Risk appetite framework for India Unsecured and Partnership Risk and the corresponding benchmarks.
• Drove initiatives to responsibly grow the lending book in India for the bank, riding on the digital wave in India.
• Strategically managed teams across Acquisition, Portfolio, Partnerships (including Paytm wallet white label card) lending, including end to end technology implementation and grow them collaboratively with the Business team inculcating a strong culture of ownership for the 25+ India risk management team.
• Structured data room exercises with multiple partners including Paytm, Flipkart to develop Credit Strategy for partnership products.
• Built strong relationship with the Credit Bureaus and assess and leverage new models for underwriting including New to Credit scores for underwriting decisions. Led multiple Due diligence asks for India Business, further to the Asia Consumer lending exit announcement.
• Took initiative for taking up an expanded role including Partnership Risk, stepping up for the India CRO and leading the risk organization aggressively through the COVID times.
• Led the D&I, 2019-21 and Mentoring Circles workgroup to mentor “Young, Diverse, Talent”. Led the Voice of Employee work streams across 2019 and 2020 to support the CBM VOE goals. Led the Future of Work initiative with Chief Credit Officer, India to build a more employee friendly and flex org (2020).

Jan 2017 – Dec 2017 · 11 mos

• Responsible for Credit Card and Personal Loan credit policy and portfolio management for the India portfolio for the bank. Accountable for driving profitable lending and driving good growth balancing the Risk / Reward trade offs.Leverage Credit bureau for all lending decisions including new acquisition and portfolio management decisions.Drive the end to end risk decision-making through digital processes including verification and alternate data and leveraging online aggregators.

Oct 2015 – Dec 2016 · 1 yr 2 mos

• Manage the global credit policy application and design across the global markets for standard chartered, specifically focussed on unsecured lending( Credit cards and personal loans).This includes optimizing the risk/ return to ensure the portfolios are profitable across the global markets.Lead initiatives and policy interventions to support good growth while balancing the risk. Responsible for the hiring and delivery mandate for the policy analytics hub in Singapore.
• Lead design and delivery of Experian Portfolio Risk Strategy Management tool - Probe for SG retail banking as part of Risk Infrastructure and growth initiatives for the bank.

Sep 2013 – Oct 2015 · 2 yrs 1 mo

• Responsible for leading the policy and portfolio management for Unsecured portfolio for the bank for the Singapore market for a book size of USD 1.5 Bn, loan impairment portfolio of USD 100 m. Led the Portfolio Shaping and Stress testing to consciously shape the portfolio to a desirable portfolio shape based on the risk appetite of the bank preventing the stress loss impact ranging between USD25-29 Mn.

Apr 2010 – Aug 2013 · 3 yrs 4 mos · Gurugram, Haryana, India · On-site

• Responsible for leading 50+ member team (budget of 2MM USD) across 3 locations: Gurgaon, Bangalore and Kolkatta. Global Consumer analytics and Collections/Risk Business development activities in Gurgaon. Manage Employee Engagement and Attrition. As an Analytics Service Delivery leader for US GE Collections received Client award for Leadership excellence for improved levels of delivery and sub 15% attrition improving NPS from detractor to Promoter score in 2013.
• Expansion of B2C Collections analytics practice across geographies, US, Europe and Apac and solution for customers within Financials services.
• Australia Engagement Lead - Jan'13 to Present
• Led Analytics Solutioning for Financial services organizations and Top banks for Australia geography in the areas of Credit Risk.

Nov 2009 – Apr 2010 · 5 mos

Sep 2006 – Nov 2009 · 3 yrs 2 mos

• Lending Exposure Management Actions: OTB reduction of $ 30 MM ; potential NLP saves of $ 4-5 MM.Charge Exposure Management Action. Presented with ICSS Risk Q3 2009 Leadership in Action Award for aggressively driving the risk management agenda in India and managing the various risk control programs during the 2008 recession.

Mar 2004 – Sep 2006 · 2 yrs 6 mos · Gurugram, Haryana, India · On-site

• Led a team of analysts to develop tools to support Banking/ Card Acquisition initiatives (Application Scores), Behaviour scorecards and tools to Balance risk and reward (Behaviour/ Portfolio action and Revenue Scorecards) to ensure long term portfolio quality.Role involved frequent travel across Asia pacific countries including Singapore, Thailand, Philippines and. Malaysia.

Jan 2001 – Jan 2004 · 3 yrs · Bengaluru, Karnataka, India · On-site

• Responsible for building response models for Private label Credit Cards for the GE portfolio including JC Penney, Exxon Mobil etc,
• Commercial marketing and campaign analytics: Set up the Campaign execution and analytics process for Vendor Financial Services (VFS), an equipment leasing arm of GE. Green belt Certified.