Arindam Chatterjee Email & Phone Number

Consumer Banking & Payments professional with around 14 years of experience and track record of success in building businesses and implement best practices in credit risk, revenue and portfolio management, CRM, loyalty and fintech across diverse markets. Products handled: Consumer and corporate credit and charge cards, personal loans, mortgage, auto loans and secured assets, overdraftChannels handled within business / collection: Call Centers, Alternate Channels, Direct collections Key positions held: Head of Credit Risk Policy in AMEX and RBS (formarly ABN AMRO), National Head of Card Collection ( Tele-collection), Senior portfolio manager -Dubai First and Head of Strategy - ICC Loyalty Market exposure: India, US, APAC (Taiwan, Indonesia and Singapore), KSA and UAEFunctional expertise: A> Business analytics: Statistical / AI modeling, regression, credit scoring, portfolio optimization, credit bureau scoring and exposure optimization, Basel-2 (AIRB), revenue, spend and propensity models and strategy, CRM and customer engagement strategy / enterprise loyalty. B> Portfolio and revenue management: Forecast and delivery of card portfolio revenue, credit line and APR optimization, campaigns, retention, customer lifetime value models and strategy implementation, cost management, efficiency optimization (incentive, resources and loyalty), Next best action strategy, Trigger driven marketing C> Risk management: Credit policy, underwriting, authorization, fraud risk management and tele-collection, credit bureau, collection policy and process D> Due Diligence: Portfolio cash-flow and revenue analysis and forecast models, stress testing, risk analysis and fair-price valuationE> (B2B) Pre-Sales and business development: Strategy consulting, loyalty program development, campaigns and client solution development F> Project management: Implement projects (loyalty and risk management platform – eRewards, TRIAD, Probe) across multiple country / businesses.

Listed skills include Credit Risk, Analytics, Credit Cards, Financial Risk, and 21 others.