Jan 2022 – Apr 2023 · 1 yr 3 mos · New York City Metropolitan Area

• Working with banks and fintech platforms on asset-backed lending facilities and whole loan programs.
• Working with platforms originating unsecured installment loans, international student loans, credit cards, charged-off debt, bitcoin-backed loans, revenue-based financing, merchant cash advances, and home improvement loans.
• Responsible for opportunity screening, diligence, transaction structuring, investment and risk committee memos, legal documentation review, and portfolio monitoring.
• Providing private credit (focused on fintech and lender finance) while managing risk through structuring, financial and performance covenants, and controls over credit policies.

May 2020 – Dec 2021 · 1 yr 7 mos · New York City Metropolitan Area

• Director, Private Credit at Rocky Mountain Bank (acquired by First Western)
• Provided debt capital to third-party consumer/business lending platforms in the form of asset-based lending facilities.
• Put together whole loan purchase programs (unsecured consumer receivables) for the bank

Apr 2012 – May 2020 · 8 yrs 1 mo · New York City Metropolitan Area

• Strategy & Analytics professional with extensive experience in banking and financial services. Leading small and large teams on various data and analytics driven strategy formulation and implementation projects.
• Select projects:
• Developed a risk segmentation model to help manage the exposure of small business card portfolio
• Setup CECL (Current Expected Credit Loss; IFRS 9 equivalent in the US) model development program for a leading US bank
• Developed and implemented new credit authorization processes for the US and international markets
• Established model monitoring framework for Basel and CCAR models of retail banking portfolios
• Identified key growth opportunities for the small business unit of a major financial services provider
• Contributed towards the development of a new digital lending product of a major player
• Created a centralized data mart for Retail lending products of a major US bank
• Helped a travel card company in restructuring its product offering across multiple geographies
• Improved marketing campaign effectiveness of a major telecom player by identifying & prioritizing high quality and more responsive leads

Apr 2011 – May 2011 · 1 mo · Mumbai Metropolitan Region

Sep 2009 – May 2010 · 8 mos · Greater Delhi Area

• Worked on consulting assignments (Pharmaceutical industry, Europe & Australia)
• Post merger pharma sales force integration and restructuring
• Global marketing strategy framework development
• Analysis of pharma markets across geographies

Jul 2008 – Aug 2009 · 1 yr 1 mo · Mumbai Metropolitan Region

May 2007 – Jul 2007 · 2 mos · Ireland

• Designed and developed a wireless network of sensors to monitor indoor environment
• Developed Graphical User Interfaces (GUI) for data analysis and result display