Apr 2025 – Present · 11 mos · Bengaluru, Karnataka, India · Hybrid

• Testing on CRS for Co-brand Credit Cards and Branded Credit Cards.

May 2024 – Apr 2025 · 11 mos · Bengaluru, Karnataka, India · Hybrid

• Credit Risk Strategy on Existing Customer Management (ECM) for Unsecured Loans:
• In this project my roles and responsibilities are to analyze the PCLI (Proactive Credit Limit Increase) accounts based on their performance by applying different strategies like, Test 1n10, Test 1n20, BAU, Challenger, Champion and Control. Test Accounts are those accounts who got PCLI and Control are doesn't by giving some random digits. So, Here are some reports used to prepare for this project,
• 1. Preparing Monthly PCLI MIS reports.
• 2. Preparing Re-age MIS reports.
• 3. Preparing RRP (Recession Readiness Program) reports nothing like credit limit tightening.
• 4. Generating reports for pre and post Implementation testing.
• 5. Preparing Incremental MIS reports which tells the difference between test and control populations.
• 6. Generated some other Ad-hoc reports.

Dec 2023 – Apr 2024 · 4 mos · Bengaluru, Karnataka, India · Hybrid

• Credit Risk Strategy on Acquisition(ACQ) for Unsecured Loans:
• Excited to share my involvement in a dynamic project centered on optimizing branded card performance. My primary responsibilities include crafting comprehensive monthly reports, such as the Leading Indicator Report on Branded Cards which is both PPM and Co-Brands. These reports delve into cardholder performance metrics, offering insightful comparisons across monthly, quarterly, yearly, and pre-COVID periods, with a key focus on acquisition. Delivering these insights in visually compelling PowerPoint presentations is a pivotal aspect of the role, ensuring stakeholders are equipped with actionable data to drive strategic decisions. Thrilled to contribute to the success of this initiative!

Nov 2022 – Nov 2023 · 1 yr · Bengaluru, Karnataka, India · Hybrid

• Credit Risk Modeling on Secured Loans:
• This project focuses on developing advanced credit risk models for mortgage loans which is majorly takes place four Portfolios by meeting regulatory standards like CCAR (Comprehensive Capital Analysis & Review) and CECL (Current Expected Credit Loss). Utilizing EAD (Exposure at Default), LGD (Loss Given Default), and PD (Probability of Default) methods, we estimate credit losses and enhance risk management through collateral-based recovery models with the following Metrices or Models like GCL (Gross Credit Loss), NCL (Net Credit Loss) and Recovery Models. By analyzing trends and forecasting interest rate impacts, we provide actionable insights for lenders to make informed decisions.