Sep 2021 – Aug 2023 · 1 yr 11 mos · London, England, United Kingdom

• Executive ownership of enterprise-wide credit risk, analytics, and model-driven decisioning across a £0.8bn (~₹10,000 crore) loan and credit card portfolio. Defined and governed risk policy, risk appetite, model governance, and Risk Committee oversight for model-driven decision systems.
• ➤  Built and led a 40+FTE global Risk, Data and Analytics organisation across London and Noida
• ➤  Led data-driven growth strategy enabling ~400% portfolio expansion
• ➤  Partnered with Board and investors to support a $260m capital raise
• ➤  Introduced real-time, ML model-driven decisioning platforms for credit risk, fraud, and pricing at production scale
• ➤  Acted as senior interface to UK regulators and government bodies, including advisory input into amendments to the Credit Union Act

Jun 2018 – Jul 2021 · 3 yrs 1 mo · London, England, United Kingdom

• As a consultant to Senior Management, led Board-sponsored initiatives to mitigate the impact of major UK banking regulations (Persistent Debt, PSD2, IFRS9, BNPL)
• ➤  Devised and assessed implementation of a suite of strategy solutions that reduced Persistent Debt exposure from ~60% to ~8 and protected ~£250m in portfolio value
• ➤  Led analytics for due-diligence and term sheet negotiations for divestment of Personal Loans

Feb 2017 – Dec 2017 · 10 mos · London, United Kingdom

• ➤  Set up a new analytics team to handle strategy assessment and reporting requirements for
• the bank.
• ➤  Working with Business Heads and Heads of Marketing and Risk teams, assessed business
• requirements and translated them into technical specs for a suite of datamarts and MI
• ➤  Developed a risk-reward framework for evaluating all future commercial decisions
• ➤  Delivered an Account Level Profitability (ALP) solution which linked account level CRM data
• with the bank’s financial General Ledger, topped with an intuitive, easy-to-use TABLEAU
• visualization for all strategy evaluation purposes in the bank, from analysts to C-level execs
• ➤  Built a Machine Learning model using Random Forest algorithm for real-time transaction
• fraud detection

Sep 2015 – Feb 2017 · 1 yr 5 mos

• ➤  Created data driven strategies for optimizing new customer acquisitions through the Digital
• channels- Paid Search, SEO, Display, Mobile, Financial Aggregators, 3rd Party affiliates, and
• Social Media, for all Barclaycard products in the UK
• ➤  Expanded into new channels like TV, Video-on-Demand, Print, London Underground
• and Out-of-home.
• ➤  Supported the MD - UK Acquisitions and MD - Marketing in achieving the new customer
• acquisition targets while ensuring marketing budget is optimally allocated and necessary
• financial controls are maintained.
• Key Achievements
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• ●  Analyzed the TV ad campaigns to accurately estimate the impact on new acquisitions and
• brand metrics, and recommend optimizations on ad messaging, media buys and deal
• structures for future ad campaigns. The analysis involved fuzzy matching techniques and
• econometric analysis with Adstock parameters to measure halo impacts and isolate cross-
• channel interactions between online and offline marketing activities, and behavior segment
• and risk profiling to estimate additional credit risk not identified by risk models.
• ●  Set up Big Data Hadoop platform on the website to improve analytical capabilities for
• optimization of website conversions
• ●  Created a test-and-learn framework for accurate attribution and planning of digital
• channels- including Display and Search using Google GeoTests.

Aug 2013 – Aug 2015 · 2 yrs

• ➤  Provided thought leadership, identified business opportunities, and delivered data-driven
• analytical strategies to spearhead the growth ambitions of the Portuguese Credit Card
• business
• ➤  Led the Portugal Analytics team, defining and driving the analytical agenda for the business
• ➤  Led the wider European Analytics team’s efforts in delivering the regulatory portfolio Stress
• Testing exercise for all Barclaycard Europe portfolios across UK, Germany, Portugal and
• Spain.
• Key Achievements
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• ●  Delivered 30% Growth in new loan originations
• ●  Developed original algorithm to calculate at a customer level, the pricing of offers provided
• by competition to our existing customers. Tailored competition beating strategies at
• customer level which delivered 20% growth in portfolio profits
• ●  Directed a market segmentation for Portuguese credit cards, and conducted the
• commercial evaluation of the profit pools. Identifying key priority under-served segments
• and launched a new product as a result
• ●  Led a pan-European team of Strategic Analysts to deliver the regulatory Stress Testing
• exercise for all Barclaycard Europe portfolios. Built ARIMA time-series models to forecast
• the portfolio assets under a recessionary environment. Working with the country-level
• MDs and Risk and Finance Directors, devised alternate business strategies for each of
• the countries in order to mitigate the risk to the business under macroeconomic stress.

Apr 2011 – Jul 2013 · 2 yrs 3 mos

• ➤  Managed the pricing, yield and income streams for Credit card portfolios in the UK, Germany,      Spain, Portugal and Italy
• ➤  Delivered key strategic projects that impact the Barclaycard UK portfolio
• ➤  Autonomously identified profitability and customer experience enhancing opportunities in the      portfolio, and delivered on the optimisation strategies, seeing them through till implementation
• Key Achievements
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• ●  Reviewed and improved the existing methodology used for buying hedges and funding all
• assets held by Barclaycard UK. This led to a £23 million saving in cost over 2012 and 2013
• ●  Working with the Technology, Operations and Legal teams, identified and fixed multiple issues
• with the billing systems that impacted customers and company on a very large scale. One
• such instance restored £6 million in lost income annually. Another led to improved customer
• experience for over 200,000 customers with substantial redressal payouts
• ●  Designed and delivered multiple analytical training programs

Nov 2009 – Mar 2011 · 1 yr 4 mos

• ●  Managed Balance Build program for all of Barclaycard's UK portfolios
• ●  Radically redefined business strategy when new UK regulations led to a reversal of payment
• allocation structure

Oct 2008 – Oct 2009 · 1 yr

• ●  Managed Balance Build program for six diverse cobranded credit card portfolios ranging from
• retail houses to 5-star hotels
• ●  Started balance transfer program on 3 new partner portfolios.

Nov 2006 – Sep 2008 · 1 yr 10 mos · Nottingham, United Kingdom

• ●  Devising Product Strategy for Capital One Savings
• ●  Optimising the Internet and TV marketing strategy

May 2004 – Jul 2004 · 2 mos · Pune Area, India