Jul 2024 – Feb 2026 · 1 yr 7 mos

• Managing the credit risk models development and monitoring team of analysts and managers, with project management, reviewing performance, utilization, and billing of the resources.
• Application Scorecard Development: Built multiple application scorecards for the cards portfolio using TransUnion bureau data; conducted vintage and roll rate analyses, EDA, feature selection, and WoE binning, and developed logistic regression models to predict default probability.
• Perform quantitative research to implement model changes, enhancements, and remediations.
• Behavioral Scorecard Development (Small Business): Developed behavioral scorecards for cards, lines, and loans portfolios by integrating Experian bureau data with internal bank data, and built additional scorecards using TransUnion data, improving risk prediction and portfolio segmentation.
• Created a Python-based tool to perform the backtesting, which used Adaptiv Python libraries and DLLs.

Jan 2022 – Jul 2024 · 2 yrs 6 mos

• Managing the credit risk models development and monitoring team of analysts and managers, with project management, reviewing performance, utilization, and billing of the resources.
• Application Scorecard Development: Built multiple application scorecards for the cards portfolio using TransUnion bureau data; conducted vintage and roll rate analyses, EDA, feature selection, and WoE binning, and developed logistic regression models to predict default probability.
• Perform quantitative research to implement model changes, enhancements, and remediations.
• Behavioral Scorecard Development (Small Business): Developed behavioral scorecards for cards, lines, and loans portfolios by integrating Experian bureau data with internal bank data, and built additional scorecards using TransUnion data, improving risk prediction and portfolio segmentation.
• Ongoing quarterly and annual model performance monitoring using different metrics.
• Created a Python-based tool to perform the backtesting, which used Adaptiv Python libraries and DLLs.

Jul 2019 – Dec 2021 · 2 yrs 5 mos · India

• Team Leadership & Stakeholder Management, led a team of analysts and ensured on-time delivery of BAU tasks through continuous collaboration with stakeholders.
• Retail Banking Scorecard Development, designed and implemented credit risk scorecards for credit cards, loans, and wealth products portfolios, applying advanced model development techniques to strengthen risk management strategies.
• Cross-Functional Collaboration, facilitated discussions with model owners to align models with business objectives and risk policies.
• Model Governance & Validation, created validation reports, reviewed model documentation, managed model changes, and conducted annual reviews to ensure compliance and robustness.
• Dashboard Migration & Optimization, migrated Insurance & Treasury scorecard dashboards from SAS to Python and Tableau for Hong Kong retail banking, increasing data processing efficiency by 25% while preserving accuracy and performance.

Apr 2018 – Jun 2019 · 1 yr 2 mos · Noida, Uttar Pradesh, India

• Monthly BAU & Dashboarding, executed BAU processes on large datasets using SAS, SQL, and PySpark, improving data reliability by 30% and closing data quality gaps; developed Tableau and QlikView dashboards to streamline reporting and KPI monitoring.
• Credit Risk Model Development, built a predictive logistic regression model in SAS for the unsecured loans portfolio of a leading bank, achieving a 12% improvement in predictive power over existing models.
• Business Requirement Gathering, collaborated with stakeholders of a financial services client to define requirements for the development and implementation of counterparty credit risk, market risk, and multi-risk management tools.
• Data Quality Management, strengthened risk engines by analyzing ETL frameworks and validating source data vendor systems, ensuring high-quality inputs for risk models.

Apr 2016 – Dec 2017 · 1 yr 8 mos · Pune District, Maharashtra, India

• IFRS9 Change Management, implemented change management initiatives by coordinating with cross-functional teams and executives, improving operational efficiency by 40% and optimizing SAS EG, SAS DI, and SAS MC processes.
• Process Control Model Development, designed and deployed process control models for Cards and Loans portfolios, enhancing monitoring and risk management capabilities.
• Cross-Team Collaboration, partnered with stakeholders to align regulatory, operational, and technical requirements, ensuring smooth adoption of IFRS9 changes and sustainable process improvements.

Jan 2016 – Apr 2016 · 3 mos

• Large-Scale Data Extraction & Processing – Managed and processed millions of customer and financial records using SAS EG, SAS Macros, and SQL, ensuring data accuracy and reliability in one of the world’s largest credit bureaus (Equifax).
• Advanced Analytics & Business Intelligence – Translated complex datasets into actionable insights by applying risk analytics, data analysis, and business intelligence techniques; created Excel-based dashboards to empower stakeholders with data-driven decision-making.
• Process Automation & Efficiency at Scale – Built automation frameworks in SAS Macros to streamline repetitive processes across massive datasets, significantly improving turnaround time and supporting global credit reporting and compliance functions.

Aug 2013 – Dec 2015 · 2 yrs 4 mos · Noida, Uttar Pradesh, India

• Payout Processing, prepared monthly payouts for American banks using SAS and Mainframe, ensuring compliance with business rules and timely delivery.
• DataMart & Reporting, built and maintained SQL DataMarts and automated SAS reports, streamlining data processes and improving reporting accuracy by 20%.
• Process Optimization, collaborated with business teams to translate rules into scalable data workflows, enhancing efficiency and reducing manual effort.