Feb 2021 – Nov 2021 · 9 mos

Sep 2018 – Jan 2021 · 2 yrs 4 mos

Oct 2016 – Aug 2018 · 1 yr 10 mos

Sep 2015 – Oct 2016 · 1 yr 1 mo · Mumbai Area, India

• Model Development & Validations for CCAR Credit Risk & Loss forecasting
• PPNR Forecasting models across base and stress scenarios, across multiple products and portfolios, for multiple banks
• Developed a Customer Risk Score to capture the risk associated with Money Laundering for a large multinational bank
• Led OFAC and TMS Anti Money Laundering Model Validation testing for one of the regional banks in the US

Mar 2014 – Jul 2015 · 1 yr 4 mos · Pune Area, India

• Onsite analytics lead for one of the biggest client for the company, Bajaj Finserv, managed end to end risk and marketing analytics projects
• Promoted on a fast track during the first appraisal cycle after joining
• Developed application and fraud score to institutionalize the credit underwriting process and reduce the turnaround time for credit decisioning
• Developed risk-of-flow, time-to-pay and preferred channel of payment models for improving collections ROI
• Developed attrition models/strategies for high ticket size retail lending products including Home Loan and Loan Against Property
• Developed income estimation model using bureau information for decisions on loan amount and credit limit
• Developed propensity models for retail lending products including Personal Loan, Home Loan, Insurance and Consumer Durable Loan
• Better targeting of customers leading to increased response rate of cross sell campaigns
• Estimated business impact of ~1,000 cr from Personal and Home Loan model
• Business impact of 50 crore during 2014 festival season from the Consumer Durable Loan model
• Identified the next-best-product for a customer using the propensity models
• Developed attrition models/strategies for high ticket size retail lending products including Home Loan and Loan Against Property
• Conducted interviews for recruitment into the analytics team
• Accompanied the sales team for various pitches to prospective clients

Apr 2012 – Mar 2014 · 1 yr 11 mos · Mumbai

• Promoted on a fast track during the first appraisal cycle after joining
• Responsible for development and maintenance of Credit Scores including application, behavior, fraud and collections score for a $6bn credit card portfolio
• Also responsible for credit strategy and policy for existing customer management

Jan 2012 – Jan 2014 · 2 yrs

Aug 2010 – Mar 2012 · 1 yr 7 mos · Bangalore

• Developed an acquisition scorecard for one of the largest regional banks in the US
• Developed a marketing mix model for a leading P&C insurer
• Analyzed the impact of a proposed federal law on credit card campaigns for a regional US Bank

Aug 2010 – Dec 2011 · 1 yr 4 mos

• Banking and financial Services

Feb 2010 – Jun 2010 · 4 mos

• Taught Spoken English to visually impaired people

Jan 2010 – Jun 2010 · 5 mos

• Credit Card Risk Assessment Using Logistic Regression Model in SAS

Jan 2006 – Jan 2010 · 4 yrs

• Design of Concrete and steel structures, water management, construction management, portfolio management and security analysis, press club, civil engineering association