Dec 2024 – Sep 2025 · 9 mos

Apr 2023 – Nov 2024 · 1 yr 7 mos

• As portfolio risk manager, was managing the following areas:-
• 1. Pre Acquisition
• > Managed the sourcing in terms of maintaining the acquisition mix to contain the delinquencies within the budgeted rate.
• >Managed exclusions of high risk customer segments on the basis of risk scorecards, on us and off us performances
• > Identified high risk sourcing locations and taken appropriate actions to maintain the delinquencies within thresholds
• > Defined the specs and facilitated the development, deployment and testing of automated BREs, capable of real time decisioning of approval by executing program specific policy norms
• >Maintained the program specific approval rates of sub segments through monitoring mechanisms and taking corrective actions where high drop offs were observed
• 2. Post Acquisition
• > Worked on loss forecasting models in terms of portfolio and vintage levels
• > Enabled high risk customer management actions such as CLD, CLI and blocking
• 3. Fraud Risk Management
• >Devised rules to reduce transactional fraud within the industry norms of fraud to sales ratio as part of comprehensive transactional fraud auth strategy
• > Formulated rules on MCC, MID, amount, velocity and activation levels with minimal POS disruption rate by constant monitoring and churning of Auth data
• > Enabled rule configuration in VISAs Auth platform- VRM
• > Monitored Auth data to sharpen the rules built and introduction of new rules as part of comprehensive
• > Formulated credit risk auth rules consuming behavioural, risk and credit scores

Jul 2022 – Apr 2023 · 9 mos · Gurugram, Haryana, India

• As a senior manager, in NBFC arm of Cars24, worked with the executive leadership to keep the portfolio risk of pre owned car financing in defined guardrails.
• Automated BI dashboards for managing books and collections through Knime, SQL, Python and Gsheets
• Proficient in cleaning and transforming large and complex volume of datasets with lacs of records to garner risk insights
• Developed data mart for automated early warning signs on default from data across LMS, Legal, Credit and Collections
• Created SOPs for recovery and liquidations to enhance cure rates above 95% and First EMI bounce less than 5pc
• Developed portfolio risk Tableau dashboard to track lending performance. (Vintage analysis, roll rates, cost of default, etc)
• Prepared segmentation model to identify key traits of bouncing in commercial borrowers leading to 2% reduction in bounce.
• Designed collections framework (15+metrics) driving actionability and policy formulation in recovery of delinquencies.
• Acted as a checker among stakeholders (business finance, collections/recovery, underwriting and data science) for data integrity
• Automated risk reporting of INR 1000+ Crore AUM by stitching data sources containing. Loan Books, Write offs, Settlements,
• Disbursals, Bounce enabling 95% reduction in management reporting TAT with 100% accuracy and 0% manual intervention

May 2021 – Jul 2022 · 1 yr 2 mos · Chennai, Tamil Nadu, India

• As a consultant in Cognizant Digital Business &Technology Consulting:
• Trained in Digital Business tech & Data Strategy frameworks for report rationalization, BI
• competency centre/COE formulation, BI Maturity Assessment, Organization Maturity Assessment and Data governance
• Contribute to the practice in business development of consulting engagement by preparing response proposals for RFP
• Facilitate in Learning & Development of consultants by sharing best practices, frameworks and accelerators used
• Supported Volvo Cars(Client) as a product manager and managed various epics for BI reporting leveraging advanced analytics & Azure Cloud in Digital Finance, the COE for financial strategy & transformation enabling data driven decision making. The KRA includes:
• Developing product roadmap across epics for automating central financial/management reporting
• Defining product roadmap, epics, features, stories based on strategy & vision, managing/prioritizing product backlog
• Lead cross functional team of 10+ resources consisting of cloud architects, data scientists,RPA & visualization experts
• Liaison between HQ teams, regional & financial controllers, product teams to drive seamless program delivery
• Supported 27+ PowerBI apps catering to 1000+ users in APAC, LATAM and EMEA regions across sprints and PI
• Transformed traditional financial reporting to an automated BI variance analysis for actuals and forecasts of key
• financial KPIs across various reports viz. Income Statement, Market Earnings across geographies & service lines
• Leveraged Azure Cloud offerings viz ADF pipelines, synapse warehouse, Azure analysis services, PowerBI to cut the
• turnaround time and eliminate manual intervention by 90% & 98% enhancing customer experience & business value
• Facilitated Data Migration, Data Cataloguing, Automation of report approval process reducing its lead time by 95%
• Formulated documents: BRDs, FSDs, stakeholder matrix, RTM, run-books, blueprints, etc.

Feb 2021 – Feb 2021 · 0 mo

Sep 2020 – Apr 2021 · 7 mos

May 2020 – Jun 2020 · 1 mo · Mumbai, Maharashtra, India

• Worked on the project for an end-to-end digital transformation of call center operations of the firm and integrating it with other touchpoints viz. website, chat, and sales data.
•  Mapped customer Journey across channels & data from the website, call center & sales data
•  Developed a platform for unified customer journey by analyzing multiple touchpoints of the customer interaction
•  Conducted feasibility study & developed Product Requirements Document for Customer Journey View
•  Developed insights on consumer behaviour, workforce, product & channel preference using a designed customer journey tracker
•  Analyzed product & channel preference, sales attribution, cross-channel assistance
•  Analyzed consumer behavior data and provided product/service enhancement recommendations to enhance revenue to the firm.

Feb 2020 – Mar 2021 · 1 yr 1 mo · IIM Ranchi

• Pivotal in converting the SIG into a club
• Managed a team of 6 junior coordinators, dealt with skill based task delegation
• Laid down parameter based selection and assessment process for the junior club coordinators
• Devised the knowledge transition roadmap and execution
• Laid down competency and skill development program in analytics and AI/ML for junior coordinators
• Developed assessment plan for selection of Senior Club Coordinators
• Assisted and hand-holded junior members in Club Operations viz. conducting webinars, workshops, events, maintenance of data repository and associations
• Developed learning and development roadmap for students through monthly skill training, workshops , guest lectures, quizzes and case competition
• Facilitated Cryptocombat, the national level mock Cryptocurrency trading challenge through stakeholder management, managing club communication, campaign management and international association
• Supervised Insightalyze and Scytale, the national level analytics case competitions and eliminated bottlenecks and fulfilled dependencies
• Took 'Know Your Electives' session for creating awareness about various analytics subjects and their importance ahead for juniors

Sep 2019 – Feb 2020 · 5 mos · IIM Ranchi

• Conducted sessions on various tools and technologies in analytics and AI sphere viz. PowerbI, Tableau, Statistical Analysis, Excel, etc.
• Handled social media pages and handles and developed content
• Devised the engagement strategy and increased the engagement rate by 800 percent and follower counts by 600% on Instagram.
• Facilitated workshops and guest sessions
• Developed and maintained the repository and database for club activities
• Trained 350+ students on advanced Excel as part of Induction bootcamp organized for the junior batch
• Fostered club association with leading industry organizations

Jun 2018 – May 2019 · 11 mos

• Part of Business Solutions Unit of TCS under the purview of TCS digital. Providing cutting edge solutions to business challenges faced across plethora of industries by incorporating AI/ML approaches and also developed applications which has been accepted widely to streamline business process under Industry 4.0.
• Being part of Application Development team of highly skilled developers in Digital technologies provided the stint to work under the following technologies.
• > Microsoft Azure(Conversational Bot creation)
• >ElasticSearch(QueryDML;ELK stack; performed search and match; typeahead etc)
• >Optical Character Recognition(Teserract and Leptonica; Computer Vision; OpenCV)
• >Springboot Application with MVC architecture
• >Angular 8 for designing applications for ultimate UX.
• >Deep Learning: Tensorflow, Keras, Natural Language Processing(NLP), Optical Character Recognition
• >Classification Models: Logistic Regression,K-Nearest Neighbors (K-NN), Support Vector Machine (SVM), Kernel SVM, Naive Bayes, Decision Tree Classification, Random Forest Classification
• >Regression Models:Linear Regression, Polynomial Linear, SVR, Decision Tree, Random Forest
• The developed usecases are accepted by the market leaders across the globe and helped them in business transformation by sophisticating the processes using Machine First Delivery Model.

Jun 2016 – Jun 2018 · 2 yrs

• SAP (Sales and Distribution) Consultant for leading media giant.
• Analyzing and supporting the customers on Products and Price available. It involved
• Creating customer account, sales orders, contracts, usage orders etc.
• Creating a subscription period for the products, bill plan, and taxes.
• Enhancing customer experience.
• Debugging Reports and smartforms in ABAP

Jun 2014 – Jul 2014 · 1 mo · Ghāziābād Area, India

May 2014 – Jun 2014 · 1 mo