Developed a comprehensive data mart by consolidating departmental data, course offerings, faculty information and resumes using advanced Excel techniques for reporting to the Philadelphia Department of Education.

Fox Graduate Women in Business (FGWIB)Graduate Student Organization, Fox School of Business-Build a supportive community for graduate women in business.-Facilitate networking sessions and professional development events.-Empower women to reach their leadership potential and connect through shared experiences.-Collaborate on initiatives that enhance diversity and inclusivity in business.

Planning ,provisioning and loss forecasting:• Calculated Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD) and finally Expected Credit Loss (ECL) compliance with IFRS9 principles. Reviewed these metrics with the CRO and CFO to define credit loss numbers crucial for quarterly provision requirements.• Automated tracking of Non-Performing Assets (NPAs), the stressed segment, using SQL with IT support. Developed a table integrated into the Risk Data Mart, capturing account details, initial NPA dates, blocks, and slippages. This was crucial to understand NPAs better and reduce losses effectively.

• Managed a credit card portfolio base of 14 million with Net earning asset of approximately $9000 billion. • Forecasted loss rates for new co-branded cards with marketing, driving portfolio growth from 3 million to 14 million in 5 years.• Identified high early delinquency segments using SAS and optimized retention strategies with MIS reports for leadership.• Analysed approval rates across various segments, pinpointing declines and increasing approval rates to enhance credit card penetration.• Leveraged company categorization as a predictive model, integrating it into the scorecard to boost approval rates for NTC (New to Credit) and NTCC (New to Credit Card) segments which is significant base in the 0.2 million cards approved monthly.• Developed interactive vintage charts and recover charts on Tableau, improving reporting efficiency over Excel for customer performance metrics. • Conducted billing cycle analysis, reporting roll rates, delinquency, and write-offs. Collaborated with collections to prevent customers from escalating to higher-risk buckets.

• Created MIS reports guiding collection strategies, recommending tailored offers like restructuring or encashment, and shared insights regionally.• Developed a monthly Portfolio Quality Review deck to analyze business trends and brief leadership.