New Accounts Underwriting - International Credit and Fraud Risk

New Accounts Underwriting - International Credit and Fraud Risk• Optimized new accounts underwriting policies for Australia and Japan markets to successfully deliver $60k in profitable new card acquisition during 2019-20 • Identified opportunity in portfolios to determine vulnerable segments and recommended controls during Covid-19 to mitigate credit risk and resulting in $20 million in PTI • Developed key partnership with Decision Science team to design & implement Risk Models • Instrumental in simulating the recession readiness for key markets in 2019 by increasing risk thresholds for ROI > 2. This initiative was one of the key drivers for driving profitable acquisition despite of low volumes during Covid-19 environment • Mentored an Intern and a Management Trainee for roles in New Accounts Underwriting • Received Analyst of Quarter Award – Q1’20 for the exemplary work on recession readiness

• Leading a team of 10+ analysts for one of Big 6 UK Utility provider focusing primarily on customer analytics, customer retention & acquisition, cross sell & upsell• Managing complete project lifecycle: requirement gathering, development, review, feedback, delivery & signoff• Liaised with senior stakeholders on proactively targeting customers by providing insights on customers’ preferences & designing bespoke campaigns• Identified potential cross sell opportunity of £21 million by understanding customer profile & propensity to uptake new products & formulated an action plan for the campaign• Analyzed impact of offering connected home products bundled with standard services on retention, customer value, product uptake and churn• Designed, planned & implemented smart targeted strategies & compared incremental consumption of smart vs non-smart customers using stratification – Report published by Ministry of Energy, UK• Received Star Performer Award Q1’19 for leading by example on the technical challenge of migrating away from SAS to R, planning, migrating & training teams

• Analyzed multiple customer service journeys across acquisition, use/help & leave to identify key NPS drivers & cost inefficiencies with a potential business impact of more than £30 million• Managed a team of 7+ analysts who utilise SQL & R to interrogate big data & uncover new avenues to untapped data• Individual contributor to major strategic analysis & insight generation projects – handled their end to end delivery

• Worked with Growth & Demand team on buy-out science & local offline peak optimization• Analyzed the traffic on website & worked with the strategy team to formulate action plans for improving the conversion• Formulated multiple funnel reports used for the comparison & analysis of the user journey across different platforms

• Planning, modelling & preparation of BOQ’s for various piping systems of power plants• Proposed valuable inputs for the fire-fighting system & successfully completed the design