Jan 2022 – Feb 2024 · 2 yrs 1 mo · Bengaluru, Karnataka, India · Hybrid

• Founded a regional media house emphasising community journalism, establishing its vision, mission, and operational processes. Launched a media brand featuring daily reporting and a YouTube channel. Built a dedicated local news aggregation and dissemination team, including a volunteer app.
• https://eedina.com/

Jun 2021 – Present · 4 yrs 9 mos · Remote

• As an early investor in Resermine, I play a crucial role in shaping the company's growth and AI strategy, leveraging my position to closely collaborate with the team on redefining reservoir management and surveillance. This partnership is focused on harnessing the power of AI to drive innovation and efficiency within the industry.

Feb 2020 – Oct 2021 · 1 yr 8 mos · Bengaluru, Karnataka, India · On-site

• As the Chief Risk Officer (CRO), I pioneered the launch of 'Bullet', an industry-first lending product on UPI, introducing Credit on UPI systems. I led innovative initiatives, including developing Credit & fraud systems, spearheaded market targeting, and established comprehensive fraud and Credit rules. I also guided the formation of a collections operations team, developed the operations risk framework, and significantly enhanced the lending capabilities for Jupiter, a leading Neobank.

Jul 2018 – Feb 2020 · 1 yr 7 mos · Bangalore · On-site

• As the Chief Risk Officer at Shubh-loans, I implemented a comprehensive Risk Framework that supported lending initiatives for the 'blue-collared' segment. This involved developing advanced credit and pricing systems and achieving a board-approved impairment target. I also established processes to manage credit and collection operations effectively, and played a key role in expanding into new segments.

Jan 2017 – Apr 2018 · 1 yr 3 mos · London, United Kingdom · On-site

• As Head of Lending at Monzo, I led the development of the lending policy and pricing strategy, successfully launching two key products: Overdraft and Sales Finance Loan. My role included designing MVPs, integrating with credit bureaus, implementing a credit system, and securing Board Approval for product launch.

Dec 2013 – Dec 2016 · 3 yrs · London, United Kingdom · On-site

• As Head of Credit Risk for Card and Later Current Accounts, I excelled in managing portfolio performance in alignment with Risk Appetite, ensuring optimal Impairment and Capital numbers. I was pivotal in aligning Risk Appetite with business objectives, enhancing Portfolio Analytics, deploying strategic projects, and supporting regulatory initiatives. My leadership in recruiting and team building fortified our department's capabilities.
• I led a strategic benchmarking project against industry peers for TSB, driving the implementation of competitive strategies that significantly enhanced product offerings. This resulted in a 40% increase in new customer exposure across Overdraft and Credit Card portfolios and achieved a £25 million growth over two years.

Jan 2011 – Nov 2013 · 2 yrs 10 mos · London, United Kingdom · On-site

• During my time at Lloyds, I created a comprehensive risk management framework for the Open Market Loans proposition. This involved developing a new scorecard that used bureau and application data, affordability criteria, and risk strategies to improve lending performance. As a result of this initiative, we expanded our potential lending universe by 30%, leading to a significant increase in annual bookings. We were able to generate £500 million over three years.
• In my position at LBG, I was responsible for leading and coaching a team of managers and analysts in formulating and refining the Personal Loans credit policy. I oversaw scorecard management, loss rate estimation, and conducted a thorough analysis of new business quality and profitability. This ultimately led to the successful design and implementation of pioneering lending strategies.

May 2009 – Dec 2010 · 1 yr 7 mos · Bangalore,India · On-site

• As the Strategic Analytics Manager for the APAC team, I have focused on building solid relationships with business leaders and establishing a framework for analyzing revenue growth. I was responsible for developing an analytical framework for remittance price elasticity across corridors and creating look-alike models for pricing testing.

Aug 2007 – May 2009 · 1 yr 9 mos · Bengaluru, Karnataka, India · On-site

• I developed risk management frameworks for microfinance institutions in Asia and Africa, integrating them into traditional lending programs to improve efficiency. I trained staff at partner institutions in risk management tools, successfully implementing frameworks in 6 institutions and contributing to a task force in Nigeria that reduced PAR by 15%. I also developed a selection scorecard that increased evaluation efficiency by 10-15% as part of an ACCION innovation lab project.

Nov 2004 – Aug 2007 · 2 yrs 9 mos · Bengaluru, Karnataka, India · On-site

• Forged strategic partnerships with Citi business groups to implement decision management tools, leading to enhanced product offerings, cross-sell strategies, P&L control, and effective campaign management.
• Directed a team of analysts in crafting risk and marketing scorecards, pivotal for key business initiatives. Innovated an optimization framework that, by integrating response and revenue scorecards, generated a 'sales offer palette' resulting in a 15% increase in revenue, marking a first in utilizing calling patterns and performance variables in modelling. This framework's success prompted its adoption as an EMEA regional initiative.
• I also designed a spend diversity index to measure customer engagement uniquely and contributed to a team developing a payment risk evaluation framework impacting card profitability.

Aug 2003 – Nov 2004 · 1 yr 3 mos · Bengaluru, Karnataka, India · On-site

• I was part of a team at Citibank-India that worked on reducing risks in the credit card portfolio by making strategic policy decisions. My responsibilities included monitoring the monthly credit reporting and maintaining the scorecard, automating risk reporting for better efficiency, and creating a segmentation model that reduced point-of-sale disruptions. I also refined collection strategies based on a loss-given default analysis.

May 2001 – Aug 2003 · 2 yrs 3 mos

• I was a vital member of the fraud risk team at Amex, where I worked to prevent fraud in the US Card Business. I was one of the founding members of the Internet Fraud Control Team, a first for Amex. I devised innovative solutions like fuzzy name-match scores and behaviour algorithms to detect airline fraud. Additionally, I developed models to identify and prevent credit-bust-out gangs. My contributions were recognized, and I was selected to attend the 'Internet Merchant Risk Conference' in Las Vegas.
• I played a crucial role in building strategic tools, fraud controls, and scorecards to combat internet fraud effectively.