Lead Data Strategy for Payments by enabling the use of analytical methods, testing, and other hypotheses based approaches to deliver insights on Credit cards, Debit cards, and Consumer Lending Products. Make sure all data is accessible for analysis, understand source system of data, build data quality checks to ensure accuracy of data, and lay out a strategic vision for the future of data within the Payments business.1. Successfully guided and transitioned the boarder team of 30+ analysts onto the SAS Grid with significant upgrades smoothly without business disruption. 2. Develop local data infrastructure for both Cards and Consumer Lending products on Acquisition and Portfolio customers with the following features and traits a. One source of truth b. In-house analytics enablement for agile turnaround c. Definitions/logics standardization d. Proactive maintenance and efficient development3. Spearheaded TransUnion RetroScore project (15 archive months and 50 MM records) for the procurement of CreditVision and DDV data of 53 Payments Products; facilitate the data transformation for friendlier use of Risk strategy/policy formulations4. Effectively manage a mixed onshore and offshore analytics team of 10 to productionize monthly, weekly, and daily business deliverables leveraging with scheduling and automation tools where the productivity has been doubled since inception.

Led the Performance Management team of 7 overseeing accuracy, integrity, and timeliness of the Retail Incentive Plan for 1,250 stores and 13,000 employees with the objective of simplicity and sustainability. Formulated TD Bank Retail growth strategies through data-driven insights on market behavior, delivery effectiveness, and product performance.- Transformed a previously cumbersome Retail Incentive Plan to be employee-focused, easy to understand, and sustainable; Streamlined operational processes using Alteryx and Tableau to have delivered a solution that facilitated 24% earnings increase YoY and reduced production time by 80%.- Rapidly identified performance enhancement opportunities through rigorous data analysis and developed strategic initiatives (e.g., Bank @ Work, Share the Green) to overcome Checking unit sales challenge, which effectively contributed 20% increase to the goal.- Created a full package of interactive performance reports/visualizations in Tableau to proactively equip markets with on-point analytics and actionable insights on risks/opportunities while promoting best practices. Promptly developed reporting and data governance that exceeds TD standards.

Rebuilt and led the analytics and reporting team delivering a complete array of analytics and reporting (e.g., campaign targeting, product strategy, customer segmentation/engagement, portfolio performance, BT offer testing). Created and validated risk segmentation strategies and policies using robust data and BI tools. Utilized hands-on leadership and technical savvy to drive projects.- Delivered insights that drove credit card unit acquisition and outstanding balances growth with 20%+ CAGR; drove achievement of key milestones (1MM+ accounts, $2B outstanding balance).- Saved $500K by architecting new data infrastructure and creating centralized data repositories which enabled in-house KPI analysis, cut reporting times 60% via automation, and facilitated rapid growth in data needs.- Implemented store-centric projects (e.g., EMV Credit Card Instant Issuance, Amazon Echo Premium Campaign) to achieve performance objectives despite acquisition headwinds in 2017.- Launched an Analytical Center of Excellence to improve profitability, cost management, and operational efficiency.

• Managed the production unit that designs, develops, automates and maintains Unix SAS codes for 26 daily reports and 17 data lists within Credit Risk and Underwriting Small business line (Acquisition and Existing). Utilized portfolio trends and findings to propose policy, procedural and strategic actionable changes within segmentation structure for optimal results.• Facilitated the flow of information in support of Credit Risk and Underwriting via complex research, ad-hoc analysis, and daily triage to ensure the resiliency and efficacy of the systems, models /codes, and technologies leveraged in the credit approval lifecycle.

• Led Meta Initiative that delivered capacity planning & management capabilities across BAC footprint (6 lockboxes, 4 cash vaults and 2 check processing sites). Solved strategic and operational problems using optimization, discrete event simulation, and statistical data analytic techniques (Logistic regression, multivariate regression, etc.) • Built forecast models with consistent 96% accuracy. Identified 10% FTE workforce reduction opportunities and proposed optimal process flows for 6 lockbox sites that resulted 1.6MM annual savings.

• Created new market definition model that realigned metro and community markets based on local consumer attributes and geographies. Implementing this model along with other 4 work streams would have a financial impact of $51 million dollars over 3-year period.