Jan 2022 – Feb 2026 · 4 yrs 1 mo

• Collection Risk Analytics:
• Led unsecured collections risk analytics across Credit Cards, Loans, Overdraft and Partner Finance portfolios
• Led collections risk analytics function, managing a team of analysts and driving strategies across multiple unsecured portfolios
• Delivered analytics on delinquency trends, forbearance breakage, recovery performance and capacity planning
• Collaborate with Business, Product, Operations and Finance to align strategy and execution
• Drive governance, prioritization and performance management within the team
• Pricing Analytics:
• Worked on pricing strategy and analytics for UK unsecured loan portfolio
• Led a team to manage pricing strategy for unsecured loans
• Designed and conducted A/B tests for pricing proposals
• Developed pricing strategies using market share insights, elasticity analysis, and scenario modelling
• Built frameworks for pre-approved loans, limit expansion and customer lifetime value optimization
• Conducted P&L analysis to optimize pricing and discounting strategies
• Performed model monitoring and ensured regulatory compliance
• Automated data assets and dashboards for pricing analytics

Jun 2020 – Dec 2021 · 1 yr 6 mos

• Worked on UK Business Banking portfolio analytics and strategy
• Conducted customer segmentation, profiling and channel profitability analysis
• Performed pricing analysis and recommended optimal margin and fee structures
• Worked on regulatory risk frameworks and portfolio monitoring
• Led projects on churn analysis and off-us lending insights

Nov 2018 – May 2020 · 1 yr 6 mos

• Worked on acquisition risk strategies for Germany Cards portfolio
• Designed and implemented acquisition risk strategies including score cutoffs, CLI and credit line strategies
• Conducted fraud analysis and supported strategy testing and implementation
• Developed mandates and monitored policy performance

Jun 2018 – Nov 2018 · 5 mos · Gurgaon, Haryana, India · On-site

• Worked on credit risk analytics for digital lending products
• Developed underwriting and risk policies using bureau and alternative data for digital lending products
• Designed rule-based decisioning frameworks for customer selection and limit assignment
• Monitored portfolio performance and identified early delinquency trends

Aug 2016 – Jun 2018 · 1 yr 10 mos · Gurgaon, India · On-site

• Manager - Analytics in Credit Card Policy & Underwriting
• Worked on unsecured lending portfolios, focusing on portfolio monitoring and policy evaluation.
• Analyzed portfolio performance across acquisition and behavioral stages
• Supported policy optimization based on portfolio insights
• Performed bureau-based analysis for customer segmentation and risk assessment

Apr 2015 – Aug 2016 · 1 yr 4 mos · Delhi Area, India

Apr 2014 – May 2014 · 1 mo · Gurgaon, India

• Worked under Sources of Fund department in Power Grid Corporation, where I analyzed various financial instruments used by the corporation, on the basis of risk & return. The other responsibilities involved updating of financial information & preparation of several documents (Annual Report, Prospectus, PAS 4).