Sep 2018 – Apr 2021 · 2 yrs 7 mos · Gurgaon, India

• In lieu of team’s ultimate goal of keeping write-off’s within the provision target, primary responsibility was to handle strategies regarding new account acquisition and Credit Underwriting. It involves both bottom-up and top-down approaches to assess and manage the working capital requirements for Indian Clients from both credit risk and business development perspective
• Identified and dealt with various FinTechs and bureaus to automate new data sources, risk triggers, early warning signs etc.
• Was given a charge to clean up the portfolio post various high default shocks ; strategised heavily on T&E + non-core B2B spends first to build robustness before opening up B2B again ; was able to create a strong barbell of $4 bn spend portfolio that was able to sustain and thrive henceforth the COVID environment

Apr 2017 – Sep 2018 · 1 yr 5 mos · Gurgaon, India

• Worked as a strategic consultant for the credit card division of one of the top US Bank holding company. Primarily responsible for over-seeing Forbearance strategies (debt re-structuring programs) for retail accounts
• Developed the optimal settlement model that helped identify the settlement % which should be offered to accounts requesting settlement providing an annual NCL benefit of $4 Million.
• Recommended strategy change for removing the minimum due criteria while offering Forbearance programs resulting in an NCL (Net Credit Loss) ) benefit of $1.5 Million.
• Completed an end-to-end assessment of Pro-active Reages, making a case for their continuation and solving the related control issues
• Completed various forecasting projects which included both Time series analysis (Exponential Smoothening, Holt-Winter’s method etc.) and Bass Model (for new product forecasting)

Jul 2016 – Mar 2017 · 8 mos · Jamnagar Area, India

• Part of a 11 member Maintenance team responsible for commissioning of the largest Industrial Power plant in India.
• Involved in planning various commissioning activities, making DPR’s (Daily Progress Reports) & weekly progress presentations.
• Mainly responsible for Material Management, Inventory Modelling, Part codification, BOM Creation & PR creation using SAP.

Jun 2015 – Jul 2015 · 1 mo · Pune Area, India

• Worked in the department of supply chain management on developing a Kitting Model on TCF line.
• A growing number of product variants often result in more part numbers & delivering them in the traditional way with continuous supply & line side stores becomes a problem as it demands an increase in the line side storage area which indeed results in longer operator walking & searching times at the assembly line.
• To overcome these issues & incorporating the idea of lean manufacturing, Kitting is done which is nothing but delivering components & subassemblies in predetermined quantities placed in specific containers.
• After the completion of the internship, I was awarded a Letter Of Recommendation by the Head Of the Department.

Jun 2014 – Jul 2014 · 1 mo · Lucknow Area, India

• Completed Projects on Tyre Yard Management, Tail Light Harnessing & Assisted in Elimination of RPM setting process.
• Excessive chaos occurring at the tyre yard was studied & corrective measures were proposed resulting in smooth functioning.
• There were no fixed clamping positions for the tail light wires. OK trucks (i.e. ready to be rolled out) were studied & clamping positions were generalised. It helped in saving the time to study the whole circuit.
• A lot of variations were observed in the idling RPM of trucks which resulted in an additional operation of setting it to the desired value. Clear actionable insights were generated regarding why the problem was occurring & corrective measures were taken accordingly.