Jul 2021 – Jul 2023 · 2 yrs · India · Remote

• Fraud Strategy for new deposit product for leading investment bank
• Rules creation and optimization for new product
• Product launch management
• Metrics Reporting & Big data

Aug 2018 – Jun 2021 · 2 yrs 10 mos · Gurgaon, Haryana, India

• Role:
• I. Analytics and Strategy
• Working for Credit risk underwriting policies across credit card portfolio for 21 International markets and leading the India market strategy
• ‑ Recommended risk and fraud policy change of utilizing communication strategy
• Validation of data flow in big data sources from multiple credit card platforms
• II. Capabilities and Product Management
• Product Manager for the new accounts acquisition platform at American express with responsibility to launch it in 2 international markets covering specific market needs.
• Led the first ever credit card launch in new market of Norway for American Express and managed all risk related strategies and end to end execution by collaborating with multiple non-risk stakeholders
• Digitized customer touchpoints like Income/KYC verifications via 3rd party API integration leading to reduction in credit card approvals within 1 min

Jan 2018 – Aug 2018 · 7 mos

• Monitoring credit risk models catering to Basel Model Suite(PD/EAD/LGD), Application and Behavioral score cards(ECM), fraud, collection and impairment model for one of the leading banks of South Africa
• #Automated process of monitoring and generalized key deliverable
• #Developing IFRS-9 monitoring standards by working with model development team
• Regular monitoring review responsibilities Includes but not Limited to:
• Independent Monitoring of various models of bank to ensure validity of usage for future time periods and working closely with business team to make necessary changes in the ongoing strategies.
• Refitting existing models in order to identify possible sources of improvement in Model performance.
• Suggesting possible adjustments in score cutoffs in order to increase bank's potential profit .
• Using various statistical matrices like Gini, Population Stability Index and Accuracy for assigning ratings to the models.
• Interpreting statistical results in terms of business logic and working closely with business team in making necessary changes in business strategies.
• Identifying and reporting trends in data which helps in developing "Risk Mitigation Plans"
• Performing Deep-Dive analysis and finding causes for model’s deteriorated performance.
• Performing Ad-Hoc analysis on client’s request to satisfy business needs.

Aug 2016 – Dec 2017 · 1 yr 4 mos

• Diagnosed, strategized and implemented end to end architecture of reporting system for credit risk MI team of one of the leading bank of UK
• Received Business excellence award for the project**
• The key highlights of the project were -
• Was part of the team which successfully designed the architecture for creation of monthly comprehensive and centralized data repository- data sourced from different platforms to meet all reporting requirements of the MI team and bring down the cost 7 times
• Optimized data flow path into the reporting pool depending upon the attributes of datasets such as primary key, frequency use
• Assessed and tweaked the existing transformation logics to create final KPI's from the reporting pool instead of disparate datasets.
• Integrated input data quality feeds checks and output data result validation for improving accuracy by highlighting any major or unexpected deviations in reporting pool

Jul 2015 – Jun 2016 · 11 mos

• To address all the problems faced by PG students living in H2 and inviting them to various hostel events, discuss plan of action with other council members of H2 council.

Dec 2014 – May 2016 · 1 yr 5 mos

• Talking to the Hrs for recruiter conversion, helping in conducting institute wide tests, making all arrangements to carry out placement process smoothly.
• Helped 100+ students to get placed.

May 2015 – May 2015 · 0 mo · Mumbai Metropolitan Region

• To develop the database for the app and marketing of app through surveying