Leading Next-gen Identity Solution driven (DIT- an NPI, eID and Other ID Proofing) via AI/ML Models and StrategyKount Contact & Locate (NPI) (Patent filed) - Designed to help customer find best contacts for customers Flagship Trust Scores creation for ID Fraud (Kount 360 product) (Patent filed)Developing next generation of XDID (Cross device Identification) behavioral biometric models (Under Patent pending)Leader for ever evolving RAE (Risk Assessment Engine) catering Internal Fraud Platform for EFX - EWS & myEFX (US & Canada)Customer Analytics/Sales: Lead Customer Analytics for all pre-sales and sales activity and customer interaction. Led multiple client engagements converting into successful sales as a D&A leader.Customer Experience: Managing Client engagement from D&A standpoint. A point contact for Customer Experience & Success for Identity Proofing products. Resolved customer issues and ensured timely delivery.

• Leading all Advanced Analytics, Credit & Fraud Strategy and Model Development related to Risk Assessment Engine (RAE). Deployed Internal fraud / Authentication / Synthetic ID platforms (Equifax Workforce Solution, Global Consumer Solutions and other Global tenants such as Canada, UK & AUS).• Working with multiple Fintech & Vendors solutions on Fraud considering Biometrics, Geolocation, Email, Device related authentication. • Developing next generation of XDID (Cross device Identification) behavioral biometric models

• Led acquisition and customer management risk for Mexico consumer book ($17B in A/R), including credit cards, personal loans & mortgage.• Managed global teams; led model development & strategy. Ensured timely execution working with Ops teams in MX• Drove key risk policy and procedure enhancements including payment capacity, risk reward, risk-based pricing and offers• Executed End-to-end Collections/ Recovery strategy, developed profit optimization-based risk mitigation tools. • Successfully delivered multiple RAF Expansions for Credit Card & Personal loans, led multiple campaigns for Credit line increase and led several updates to senior leadership (Global CRO)• Directly increased profits by optimizing & renewing Acquisition strategy (throughput and residual studies)• Partnered with Data Science team to drive the next generation of risk strategy across geographiesPreviously – Citi Retail Services – Fraud Strategy & Analytics May 2015 – Nov 2017• Model development & validation: Managed Fraud Risk model validation for Retail services, reviewing methodologies and processes to ensure accuracy of internal, external vendor models (Fraud App, Device ID), association models• Risk strategies: Development, optimization & implementation of new risk strategy framework for authorizations• New partner onboarding, Client interactions & expectation management via strategy development• Digital Wallet: Key player for introducing Apple pay/Samsung pay/ Citi Pay integration. Managed strategy development for provisioning.• Shared best practices across Citi Brand Services & Retail banking

Managed teams comprising AVPs, Senior analysts with varied expertise & wide range of experience.• Led credit & fraud risk strategy development for $40b BCUS retail credit portfolio; devised innovative merchant based strategies (CHAID based), which involved extensive sentiment analysis providing Common point of purchase (CPP) strategies offering additional 68% YOY of fraud loss save. It proved scalability and currently operational on UK & South Africa portfolios. • Risk Model Validation & Evaluation for BCUS portfolios. Conducted validation on vendor’s risk rating models.• Delivered numerous strategies which is devised to expand market through RAF expansion and at the same time minimize losses and hold fraud activity.

I had successfully deployed several PD and LGD Models on a $60b HSBC Mortgage portfolio. I have been key contributor to several Default analytical projects aiming to minimize losses and target default ahead of time.Developed PD and LGD Models implemented over $60B worth of portfolio, also devised performance matrix for gauging the performance of Loan modification program. Demonstrated extensive consumer mortgage business understanding fused with complex mathematical model.Developed NRV Model for the mortgages in Foreclosures, which was able to predict mortgage price within +20% /-20% ranges. It enabled us to foreclose account on a very realistic price and offer other treatment to the account based on the realizable price of the mortgage. I got accolades and “Analyst of quarter” award for this project. Mentored several colleagues and was handling a team of 4. I had successfully devised and delivered SAS and Excel training and was active member for CRO L&D team.Awarded Two consecutive quarters viz. with a Leading Light Award (Jan’10) for the Excellency in service delivery, Analyst of the quarter (Nov’08) by US team respectively.

Collections Strategy and Risk Analytics which includes Model development and managing collections framework. - Highly involved in the various loss mitigation / Loan Modification for HSBC US Mortgage business- Includes Designing the Loan modification program by developing various Models on Expense, LGD and Probablity of Default.- Strategy development for the asset disposition exercises.Awarded with 'Analyst of Quarter' for Q3 -2008' and 'Leading Light Award' for Q4-2009.

Awarded " Certification of Excellence Analytics" in Oct'07. Was member of "Analytical Champions". - Done Risk Modeling/Cross Sell Modeling for a Leading Indian Bank. - Provided recommendation and Business Strategy through Cluster Analysis and other Analytical tools- Done Churn Analysis and Survivor Analysis for a US leading Online Postal Services Company. Survey/Campaign Analysis Done.- 10-80 Analysis (using several Analytic tools such Modeling,Profiling,Clustering and segmentation through CHAID Analysis) for a leading Retail giant in US.

-Involved in building Credit Risk Model to rank order a portfolio with respect to risk of account ever going default or bankruptcy.The project was a challenging one, as it involved building Challenger Model to the current Champion Models. The project ended on a high note, as the new model outperformed the earlier models in all aspects .-Developed Human Capital Foresight Analysis for a Client (Best HR firm US based). It is a major project that involves TQ Computation, Metric formation and several other steps to predict the employee Performance of any company and correlating their impact on the company’s economy this major project involves data from various companies from varied sector.

Work as a IT Consultant (Software Engineer).- Learned various software (PHP, Java, ASP Dotnet, etc) and applied it to numerous project.- Had worked on Flash MX,Dream weavers, Photo-shop, used action scripting for 3 multimedia project. - Being a start-up company, got exposure to provide end to end solution to the clients.- My roles and responsibility includes understanding the project at client place, project planning and give demonstration to the clients.- Had a good exposure to client interactions