Sep 2019 – Jan 2021 · 1 yr 4 mos

• Heading Risk for Postpaid Plus portfolio (Full KYC Buy Now Pay Later Product)
• Responsible for building risk policy, strategy & infra to launch and scaleup Full KYC Pay later Product
• Conceptualized and led the set-up of state of the art real time application approval system
• Worked deeply with Indian bureau data, CKYC data, risk teams of banking partners and field policy teams
• Crafted industry first background tele-verification policy using user's geohash footprint and addresses from multiple sources
• Achieved 20% m-o-m portfolio growth with controlled credit cost leading to positive CM (pre-covid)
• As a covid risk mitigation strategy, pro-actively reduced the exposure (by 25%) with a mix of strategies, which included rollback, line decrease and account freeze. The strategy helped reduced credit cost by 40% from COVID projection levels

Apr 2019 – Sep 2019 · 5 mos

• Responsible for managing OMPP portfolio and ramp-up External Merchant GMV with controlled cash-burn
• Led the automation of line management strategy end-to-end including data-lake, data-pipe, ML model integration
• Carried out multiple experiments around offers across user segments, merchant category to identify optimal offers for each category
• Worked with data science/business/product teams of merchant to identify strategies to increase transaction volume
• Worked with product manager and engineering to conceptualize and deliver dynamic line increase product leading to incremental 10% OMPP GMV, to deliver dynamic cash-back product leading to reduction in cash-burn by 5X
• During this tenure, OMPP portfolio GMV scaled up by 2X and credit cost came down by 60bps

Nov 2018 – Mar 2019 · 4 mos

• Responsible for scaling OMPP portfolio and set-up new analytic verticals in data science and insurance space
• Evolved existing frameworks, ran multiple experiments and championed low and grow credit line strategy at marginal credit cost
• Conceptualized and led multiple data science projects - Income estimator, Custom bureau model, Geo-hash based student estimator, Home/Work address estimator, CC-Revolver identifier, EMI estimator etc. to meet various business objectives
• Worked with leading motor insurance provider to find out profitable cohort of users for insurance business. Outcome ~25% disc in premium could be offered to ~40% of TG, leading to higher adoption with material impact on bottom line

May 2018 – Oct 2018 · 5 mos

• Responsible for managing risk across customer life cycle for Non-KYC buy now pay later portfolio
• Built and led team of 7 risk managers/decision scientists across levels. Drove adoption of cutting edge ML techniques based risk models to pre-approve users and manage lines at marginal risk
• Worked with Indian bureaus from pricing to integration to end-usage of the same in credit decisioning
• Created first generation device fingerprinting based application fraud rule to decline fraudulent users
• This all helped bring down credit cost by 80bps and scaleup product offering by 3X

Apr 2017 – May 2018 · 1 yr 1 mo

• Responsible for advanced analytic consulting in EMEA region
• Developed Early Stage Collection Strategy for Buy-Now-Pay-Later portfolio of UK retail giant using MILP optimization, leading to 1.7X jump in recovery at 0.8X cost
• Consulted leading bank of Malaysia to revamp their life-cycle models and authorization strategy for charge card portfolio, with potential of 30bps improvement in transaction authorization at same credit cost
• Consulted & developed end to end IFRS9 solutions for credit card portfolio in line with regulations to accurately estimate required provisions

Apr 2015 – Mar 2017 · 1 yr 11 mos

• Responsible for development and delivery of custom analytic solutions in EMEA region
• Developed and delivered scorecards for different stages of customer life cycle (Application, Behavior, Collections) for multiple BFSI partners across secured and unsecured portfolio
• Set-up portfolio health monitoring and tracking to pro-actively course correct models/strategies

Nov 2013 – Apr 2015 · 1 yr 5 mos · Gurgaon, India

• Consultant - Enterprise Risk Management
• Provided consultancy to couple of leading banks of KSA, Mauritius, UK on entire enterprise risk management, which covers credit, market, operational, liquidity risk & PD-LGD models

Apr 2012 – Nov 2013 · 1 yr 7 mos · Gurgaon, India

• Risk Management - Decision Science - US Small Business Portfolio
• Developed predictive models (credit risk model & payment return model) for US commercial portfolio.
• Leveraged information related to payment channels to enhance the performance of payment return model.
• Analysed the risk pattern of high dollar value customers and proposed robust solutions to improve their credit risk assessment

Apr 2011 – Jun 2011 · 2 mos

• Management Consulting - Strategy & Operations
• Developed booklet to be inducted as ready reckoner on ‘how to link with retail chains’ for MSMEs
• Researched and proposed ways to replicate global best practices with regard to MSME-Retail chain linkage in Indian context

Oct 2010 – Mar 2012 · 1 yr 5 mos · Student run fund house - IIM Lucknow

• Core member of the student club at IIM Lucknow which raised and managed equity and derivative funds.
• Published fortnightly macroeconomic newsletter with info on world and Indian macro economy.

Jul 2008 – Jun 2010 · 1 yr 11 mos · Noida Area, India

• Business Development & Project Management
• Responsible for techno commercial bidding of thermal power projects
• Managed and delievered multiple packages of Tilaiya Ultra Mega Power Project