Deepak Soni Email & Phone Number

Washington, Dc, Us

Stamford, Connecticut, Us

Senior executive, Credit Customer Account Management Strategy, Transactional Fraud Strategy, Analytics, and Product Management / Infrastructure — P&L responsibility / Lending authority to drive sustainable growth. Drive transformational initiatives in pursuit of best in class technology, and decision sciences, towards accretive outcomes. Lead key regulatory interactions and with senior stakeholders.Set strategic vision, and head a large global team focused on advanced strategy analytics, innovation, and implementation of Credit / Fraud strategies across Synchrony’s enterprise portfolios.Manage credit for multiple product types (Private label, General purpose, Co-Brand & Dual Cards, IL / BNPL, Leases) across merchant partners and consumer channels, aimed at improving customer experience, value accretion to retail / small business partners, and enterprise risk / return. Leverage advance data, modeling, and testing techniques in an iterative agile cycle to optimize products across the lending landscape.-- Executive, Customer Account Management retail consumer lending strategies (line management, product upgrades, & point of purchase decisioning). Strategies constitute full spectrum of consumers across sub prime to super prime.-- Senior credit officer / Lending authority across account product lifecycle / P&L management. Chair / voting member on various committees, and working groups.-- Head Fraud Management strategies and analytics, third party tools and data, customer experience initiatives-- Head product system infrastructure, feature engineering, and allied initiatives-- Sponsor and set direction of several large Product (Agile) projects spanning scaled systems / Advanced decisioning techniques / Large Data / point of purchase ecosystem-- Drive big data initiatives including multi sourced data (internal, merchant, 3rd parties), data sciences & design experiments-- Lead and develop a multi location team of senior SME's, managing a large global team

Stamford, Connecticut, Us

Credit Executive at Synchrony Financial - Consumer Loan Portfolio of $85 billion+ and a Bank Deposit Portfolio of $60 billion+. Industry leader in partnerships / co-brand programs.-- Head Credit Analytics / senior leadership for enterprise loan portfolio across multiple verticals / retail industries comprising Private Label Credit Cards (top US issuer), Dual / Co-Brand Cards, Promotional financing, Installment and Small Business Credit. Responsibilities span across: - Credit Risk / Fraud Risk strategy & outlook - Loan loss reserves, Risk Capital - Credit management (acquisition, customer management) / Collections, Recoveries / Impairment / Capital - Portfolio Insights / Forecast Analyses - Risk return initiatives / Credit Strategy - Retailer credit performance - Macroeconomic and market space trends - Deal evaluation, Renewals, Acquisitions-- Head Model Development, Data infrastructure, and Data Sciences: - Led strategic analytic projects / initiatives - Develop and manage Allowance, CECL reserves - Credit Stress Testing for CCAR DFAST - Model Development / Advanced frameworks - Complex analytics / Big data platforms (Data Lake, AE, Python, Spark, Hadoop, Hive) / Data Science initiatives - Account level credit and revenue modeling system suite - Data infrastructure management-- Chair / member management sub-committees-- Board / Regulatory engagement (frequent)-- Lead a multi-location, cross functional team of senior analytical SME's

Norwalk, Ct, Us

Credit Risk Executive at Consumer Credit unit of GE (previously GE Capital Retail Bank / GE Money)

Mclean, Va, Us

Portfolio Credit Risk Analytics leader (multiple asset classes / products: consumer credit cards, personal loans and lines, small business, auto lending, mortgage, commercial loans):- Portfolio credit risk valuation / horizontal performance analysis- Enterprise credit forecasting and ALLL, Portfolio Credit P&L- Model development and execution / exploratory analytics- Portfolio acquisition integrations / disposition mechanics- Economic / credit cycle strategies- Legislative / Regulatory impact analysis- CCAR / DFAST, Basel, CECL analysis- Investor relations / earning reviews, Industry analysis- Team coaching and development

Mclean, Va, Us

Mclean, Va, Us

Mclean, Va, Us

2007-2008: Credit Risk- Reserves and Loss Forecasting (Card)- Partner with Consumer Risk teams (International, Auto, Installment, Small Business)- Lead analyst / built forecasting and reserve models- Analyzed portfolio trends, generate recommendations for management2006-2007: Capital Markets (Treasury)- Asset backed securitizations- Domestic and International programs (public deals and private conduit financing)- Deal structuring and economics- Investment Banks, Rating agencies, Trustees, Contracts

Worldwide, Oo

Audit and Enterprise Risk Services Analyst- Data Analytics (utilizing various Statistical Tools and coding languages - SAS, SQL, VBA)- Modeling tool development- Multiple client engagements (Fannie Mae, Citigroup)- Loan and securities analytics - Mortgage Backed Securities, Whole Loans, Liquid Investment Portfolios

- Technology start up- Sales / revenue analytics

New York, New York, Us

- Worked with Portfolio Director at Smith Barney brokerage- Portfolio Investments risk return analyses- Investment recommendations / Alpha generation

Armonk, New York, Ny, Us

- Off shore technology center- Main focus: Hewlett Packard's retail LoB- Team Leader with 20+ associates

Saint-Ouen, Fr

- Captive insurance unit of an infrastructure / power generation company- Commercial insurance / reinsurance policy structures- Premium, Claims and Reserve management

Norwalk, Ct, Us

- Retirement benefit plans analyst- Loans and payment data analysis

Master Of Business Administration, Finance, Risk Management & Insurance

Masters Of Commerce, Finance & Tax

High School, Commerce

Executive Leadership Course @ West Point