I am an accomplished professional with extensive experience in the credit union industry, specializing in member segmentation, risk management, campaign design, and credit card portfolio management. My expertise extends to persona development for members, where I employ comprehensive analysis and research techniques to understand member behaviors and preferences. In addition to persona development, I have a strong background in rank ordering loans. Leveraging an internal risk score system, I prioritize loans based on their risk levels, allowing credit unions to make informed lending decisions. By developing risk triggers for different loan types, I ensure proactive risk management practices, enabling credit unions to minimize potential risks while effectively serving their members' financial needs.Furthermore, I have successfully implemented loan prepayment identification models, specifically tailored for mortgages. These models leverage advanced analytics and historical data to identify potential prepayment risks, allowing credit unions to proactively manage their loan portfolios.I have actively contributed to the creation of membership dashboards, providing valuable insights into member behavior, engagement, and satisfaction. These dashboards enable credit unions to monitor key performance metrics, identify trends, and make data-driven decisions. I have also demonstrated expertise in cross sell campaign design and performance tracking. Additionally, I have a strong command of campaign performance tracking, utilizing Power BI dashboards for real-time ROI analysis and trend monitoring. This allows credit unions to make informed decisions, optimize campaign effectiveness, and drive meaningful results.Furthermore, I have actively participated in new product design initiatives, with a focus on debit products and credit cards. I have successfully led projects for credit limit increase strategies, spend campaigns to increase engagement among cardholders, balance transfer campaigns, and re-engagement efforts targeting inactive cardholders.With my comprehensive expertise in the credit union industry, I am committed to driving innovation and strategic growth for organizations. I have a track record of delivering results, leveraging data insights, and implementing effective strategies that positively impact the bottom line. Let's connect and explore how I can contribute to your organization's success.Regards,Janki Bhatt