May 2023 – Present · 3 yrs

Mar 2021 – Apr 2023 · 2 yrs 1 mo

• Instrumental in developing cutting-edge insights, both custom & scalable, to help drive
• incremental value to large strategic merchants in Travel and Retail industries. This is a client
• facing role, involving interactions with senior leadership in global companies
• ▪ Analyzed Amex closed loop data to develop custom insights for global merchants to grow their share & size of wallet through Amex card members. Engaged multiple top merchants with custom consultative studies
• ▪ Analyzed spend patterns of Amex card members with merchant & industry to design 1st time ever custom Amex Offers to target right customer at right time with personalized offer. Pitched to merchants & successfully converted multiple offers. Awarded SVP Award for Team Excellence by CLM partners
• ▪ Built value proposition stories to support merchant contract renegotiations
• ▪ Curated insights & speaker notes for external events like AHLA webinar in US, World Hotels
• seminar in Europe, FITUR (travel conference) in Spain, and media events
• ▪ Actively involved in Recruitment of new hires – interns, campus, and laterals

May 2020 – Mar 2021 · 10 mos

• ▪ Revamped POS Authorization rule set to help manage risk in real-time and prevent ramp-up of risk post COVID-19, while ensuring customer need is met. Created a scalable & editable framework that denied fewer, albeit riskier transactions, thus ensuring customer experience isn't negatively impacted; increased operational & process efficiency by reducing number of rules from >100 to 6
• ▪ Identified vulnerable accounts by analyzing impact of COVID on spend behavior at payment aggregators. Recommendations incorporated into enterprise models
• ▪ Partnered with CCOs across 21 international markets for alignment
• ▪ One of 15 high performing AMs in business unit selected for Aspire to Lead training program
• ▪ Actively involved in Good Citizenship Council (Amex’s Social Service wing) for over 3 years

Apr 2018 – Apr 2020 · 2 yrs

• ▪ Led COVID-19 monitoring & rapid actioning for portfolio, processes & products
• ▪ Recession preparedness of the portfolio - Created & implemented framework for Winning Through the Cycle (WTTC) that ensured robustness & profitability of the portfolio throughout the economic cycle; framework replicated across all portfolios enterprise wide
• ▪ Key contributor WTTC: 2020 Innovation Award (1 of 9 projects recognized enterprise wide)
• ▪ Created a downturn plan that captured strategy changes for products & processes, varying based on different severities of a recession; initial action plan adopted by leadership at the time of COVID-19
• ▪ Process owner & SME: Line Increase Process. Enhanced the process based on risk & usage to ensure manageable impact on contingent liability and need based line increases
• ▪ Revamped monitoring & tracking of credit risk in the portfolio that helped capture pockets of growth & risk in the portfolio, hence helping to keep risk in check before it ballooned
• ▪ Awarded SVP Star Award and Analyst of the Quarter at global business unit level

Mar 2017 – Mar 2018 · 1 yr

• ▪ Process owner & SME: Underwriting strategy of the product
• ▪ Revamped UW journey including counteroffers, renewal applications & multi-loans to optimize write-off rates profitability; largest UW changes in product lifetime
• ▪ Recommended changes in automated decision making system for loan approval to Decision Science Team after analyzing performance based on write-off rates and profitability
• ▪ Responsible for several portfolio analytics activities, including regulatory reports generation & case reviews
• ▪ Single point of contact for requests affecting real-time loan disbursement involving in-depth due diligence
• ▪ Successfully identified several bugs in automated decision making system for loan approval
• ▪ Awarded VP Star Award at global business unit level