Rohan D'Souza

CEO

New York, New York, United States20 yrs 5 mos experience

Most Likely To SwitchAI Enabled

Key Highlights

Over 18 years in consumer finance leadership.
Expert in risk management and machine learning applications.
Proven track record in launching and scaling financial products.

Stackforce AI infers this person is a Fintech expert with a strong focus on risk management and product strategy.

Contact

Skills

Core Skills

Risk ManagementCredit RiskStrategic ThinkingLeadershipMachine LearningRisk AnalyticsFintech

Other Skills

AnalyticsP&L ManagementPeople ManagementExecutive ManagementBusiness AnalyticsCredit CardsCredit ScoringPrivate EquityPersonal LoansValuationBusiness StrategyStatisticsForecastingLoss ForecastingSAS

About

I am a seasoned industry recognized financial services executive with over 18 years of experience in consumer finance, ranging from top 10 banks to early-stage startups. As the CRO of Citi's $55B Proprietary Credit Cards & Personal Loans portfolio, I lead a high-performing team of 40+ associates that is responsible for end-to-end risk strategy of Proprietary Credit Cards and Personal Loans portfolios I have a proven track record of launching, growing, and managing multiple unsecured products, such as Industry leading credit cards Personal Loans, Flex Loan, Transaction Financing(POS/BNPL) leveraging advanced analytical techniques, alternate data and machine learning models. I have helped shape the latest thinking in risk management and modeling for unsecured lending and credit cards Passionate about creating and nurturing high performance teams, driving innovation and growth in the consumer lending space, while maintaining best-in-class risk management frameworks and delivering strong P&L results

Experience

20 yrs 5 mos

Total Experience

6 yrs 9 mos

Average Tenure

11 yrs 5 mos

Current Experience

Citi

4 roles

Managing Director | Chief Risk Officer (CRO) - Proprietary Credit Cards and Personal Loans

Promoted

Jan 2024 – Present · 2 yrs 5 mos

Promoted to lead a high performing team of 40+ associates with accountability for end-to-end Acquisitions and portfolio management risk strategy - credit, fraud, and modeling for Citi’s $50B + Proprietary Cards and Personal Loans portfolios.

Risk ManagementCredit RiskAnalyticsP&L Management

CRO - Unsecured Lending

Promoted

Jan 2022 – May 2024 · 2 yrs 4 mos

Led a high performing team with accountability for for Citi’s $15B annual origination unsecured lending vertical. The vertical consists of Personal Loans, Loan on Cards (Flex Loan), Transaction Financing (Flex Pay), POS & Balance Transfer programs
Launched and scaled Personal Loans offerings
Enabled Large platform migration for Personal Loans
Scaled BNPL for Citi Cards Customers
Optimized Balance Transfer Program
Recession Readiness Framework

Strategic ThinkingPeople ManagementExecutive ManagementLeadership

Head of Risk - Cash Credit Cards Portfolio

Promoted

Jan 2019 – Jan 2022 · 3 yrs

Head of Risk for $12B Cash-back Credit Card portfolio
Responsible for Acquisitions & portfolio management risk strategy for Cash-back Cards and near prime segment
Launched Custom Cash credit card
Scaled and increased Double Cash profitability within risk appetite
Scaled Near Prime segment for Branded Cards
Optimized Acquisition lines and Credit line increase program
Launched multiple integrated tests to learn and optimize portfolio
Launched Machine learning models

Strategic ThinkingMachine LearningRisk ManagementBusiness AnalyticsCredit Cards

SVP - Credit Cards Risk Management

Jan 2015 – Jan 2019 · 4 yrs

Cash Credit Card Portfolio: Acquisitions and ECM Risk Strategy
Near Prime: Segmentation | Credit Policy
Flex Loan Risk strategy

Machine LearningRisk AnalyticsP&L ManagementCredit Scoring

Zest ai

Head - Personal Loans Credit Policy

Jan 2013 – Jan 2015 · 2 yrs · Los Angeles Metropolitan Area

Fintech founded by ex Google CIO with the intent to leverage power of machine learning/AI to transform consumer lending
Developed Business Strategy and Led Credit Policy for Installment Lending.
Introduced Machine Learning Models Combined with Alternate Data Sources for Installment Loans in Near Prime Segment.
Partnered with CFO to Obtain $150mm in Funding from a Leading Hedge Fund to Launch Installment Loans Line of Business

FinTechMachine LearningPrivate EquityPersonal Loans

Capital one

Business Analyst to Management - Credit Cards /Personal Loans

Jan 2005 – Jan 2012 · 7 yrs · Washington DC-Baltimore Area

Multiple people management roles in product strategy and credit policy for credit cards and Installment loans (PIL) business verticals across acquisitions and customer management
Personal Installment Loans :
Product Strategy: Acquisition Product Strategy & Valuations
Credit Risk: Credit Policy & Underwriting
Credit Cards:
Acquisition Product Strategy & Valuations
Credit Risk/Underwriting/Segmentation
Loss Mitigation and Collections Strategies