Development and implementation of data strategy, data governance and controls, promoting data-driven decision-making through development of AI/ML solutions, AI/ML policies and standards and overseeing the management of data infrastructure.

• Headed Internal Audit’s Model and Analytics, leading a large team of auditors specializing in Statistics, Data Science and Model Governance• Executed risk-based approach to evaluate design and operating effectiveness of model risk management, controls, and model governance programs including risks related to Artificial Intelligence• Assessed risks associated with Freddie Mac’s models and digital transformation analytics including robotics process automation, models of Home Appraisal, Fair Lending, Securitization, Derivatives, Capital Markets, Stress Testing & Economic Capital, Machine Learning/Artificial Intelligence models and applications• Evaluated design and operating effectiveness of model and Artificial Intelligence related policies, standards, controls and procedures• Annual Planning, Business Monitoring, Continuous Auditing, Identifying audit strategies and recommend potential changes to audit plan based on emerging model risks• Evaluated roles and responsibilities of first and second lines of defense on model risk

Managed global shared services team of Data Scientists, Quant Analysts, Model controls and governance around risk identification, quantification forecasting using machine learning and analytics across variety of financial products such as Leasing, Securities Lending, Repos, Loans including Commercial and Industrial (C&I), Real Estate, Small Business, Mortgages, Wealth Management etc.), Derivative Products (Interest Rates and FX), deposit accounts (Operational, Non-Operational and impact on Liquidity and Leverage), Fixed Income (Structured and Direct), Interest, Fees and Revenue items on Balance Sheet and Income statement (PPNR) • Developed, modified and optimized processes, controls across model life cycle (160+ models) that resulted in higher quality, efficiency and cost savings along with significant reduction in issues/findings from model validation, Internal Controls, external regulators, and internal audit• Established new strategic direction by focusing on building internally developed models and reducing the reliance on third-party vended models, resulting in stronger control environment and less overall model risk• Successfully managed high impact corporate change projects, including transition from IBM Algo to Murex, move from Moody’s Risk Analyst to Credit Lens and ongoing LIBOR transition to alternative reference rates.• Standardized and automate the process for creating model documentation, which improved consistency and reduced administrative waste, allowing teams to focus on critical tasks.• Managed competing projects, SOX Controls, cross functional relationships across geographies (North America, EMEA, APAC) and departments such as FP&A (Financial Planning/Analysis), Treasury and ALM teams (for PPNR), Accounting teams (CECL, IFRS 9), Capital Adequacy teams (CCAR, Basel/RWA), Corporate and Institutional/Wealth Management teams for Emerging Risks /Climate Change, Audit, Model Validation, Regulators and Global Macroeconomic factor teams.

Managed counterparty risk quantification, reporting and implementation related to Mortgage Banks, Broker/Dealers, Large Complex/International Financial Institutions, Multifamily Real Estate Operators· Monitored and reported on credit risk exposures on a regular basis to Chief Risk Officer and senior management. Ownership of all reporting functions pertaining to Counterparty credit and lifecycle risk management, accurate measurement and reporting of portfolio risk by developing appropriate risk metrics.· Responsible for providing feedback and risk quantification & management of new business initiatives related to credit risk transfer products & diversifying risk (reducing monoline & wrong way risk).· Responsible for computing annual stress testing for Single Family Seller/Servicer CounterpartiesWorked with Single Family, Multifamily and Capital markets teams around Guarantees, Bond Enhancements, Low Income housing Tax Credits and Mortgage Servicing Rights

Managed team of quantitative analysts & statisticians for Consumer, Commercial and Industrial (C&I), Retail and Investor Real Estate (CRE) portfolios that included Healthcare, Hospitals, Restaurants, Small Business · Developed strategies and manage risks for leasing and lending across C&I, Consumer, CRE and Small Business portfolios using a variety of quantitative and optimization techniques and macro economy · Developed and managed entire life cycle of Commercial/Small Business internal risk ratings. Responsible for implementation, reporting and model governance of multiple models using Moody’s Risk Analyst platform and SAS MRM · Financial analysis and risk assessment of public and private sector companies to formulate various financial ratios and integrate this information in loan valuation. Developed models related to forecasting Leasing losses, Lifetime values, Profits, Rent, Vacancy, Cap Rate using macro factors and other data sources.· Built small business portfolio management strategies to analyze performance & risk

• Credit Cards, Vehicle Leasing and Residential Mortgage risk as related to origination, portfolio management and collection.• Econometric stress calculations based on various macroeconomic factors such as unemployment, housing prices etc.• Implemented strategies such as CLDs, selective origination in high risk states and selective targeting of prospects across macro lifecycle. • Designed and implemented more profitable customer acquisition strategy by modelling the prospect’s approval not just based on risk score but also on profit score.

Designed and implemented a customer lifetime value hazard based model to implement a customer retention strategy. This model was developed by modeling the time conditioned probability of attrition based on various behavior factors. Also, worked on web based analytics, large databases, XML, enterprise architecture, telecommunication related applications, human performance solutions, HR Analytics, marketing analytics