- Leverage Data and Analytics to improve efficiency and effectiveness of various Credit Review processes- Quality Assessment of portfolios and relationships, including identification and evaluation of emerging risks- Preparation of Credit Assessment Documents in accordance with Policy standards - Conduct onsite / remote portfolio reviews, peer reviews, portfolio audits.-Partner with contributors in other areas to acquire, organize and transform data to information, using appropriate technologies-Analyze data and create effective, reliable, maintainable, and scalable reports, dashboards, and scorecards-Communicate insights to stakeholders, informing people strategies and supporting evidence-based decisions-Tune presentation and performance, and monitor usage, to ensure high user approval rates-Ensure conformance with all applicable controls, policies, and procedures

- Led new model development projects to deliver business requirements across credit life cycle, partnering well with regional risk teams and completing model review and approval with validators- Ensured all new model maintain compliance with internal and external credit policies.- Provided effective challenge to the model design and construction and conducted incremental analysis and testing as necessary- Spearheaded Modeling Best Practices: Revisited parsimony assessment during logistic regression estimation- Explored alternative data (MCC & digital) for risk model development- Coached and mentored junior staff members

- Served as Consulting SME for Global Behavior Score Alignment project to FICO odds encompassing 16 international consumer businesses. Project results utilized for IFRS9, CCAR, Basel.- Developed customized analytics / dashboards for Aligned Score tracking.- Explored Random forest (Python), Gradient Boosting Machine (Python) and Recurrent Neural Network (Python) as challengers to traditional credit scoring algorithm. - Appointed Global Model Specialist entitlements and reviewed/approved scorecards for Citi Consumer/SME models for various international markets- Conducted Proof of Concept testing for DataRobot. Presented software review and demo. - Contributed to Machine Learning POC, analyzed 12 Machine learning algorithms using Python sklearn library.

- Appointed EMEA Model Specialist. Independent oversight for Czech & Hungary – Credit Scores- Successfully passed IA, FCR and BM for UAE and Bahrain- Raised and coordinated the development, tracking and closure of CAPS (corrective action plan)- Head MENA Cluster Modeling Committee to quarterly review existing models performance, model compliance, score cutoff analysis & future modeling plan- Credit Bureau Relationship Manager: Setup reporting framework (1st in 50 FI in terms of complaints). Led project to setup online connectivity with Bureau (2nd Bank in the market to go live). Partnered Credit Bureau in Bureau Score development.- Streamlined monthly credit reporting framework.- Managed MENA Credit Scores (application, behavior, transaction, bureau, customer) -Led the Emirates ID project to populate National ID for all existing customers from Emirates ID Authority. - Formulated Business Acquisition Score Bureau Strategy and ECM Bureau strategy with relevant approvals from stakeholders

• Managed Retail Credit Scores (Application, Behavior, Transaction) for UAE & Bahrain. Quality review on a quarterly basis• Redeveloped Credit Scores (Application & Collections) (scorecard development: variable selection, fine & coarse classing, logistic regression, scorecard scaling, cut-off analysis)• Led the first ever launch of Al-Etihad Central Bureau for Citibank• Spearheaded various ad-hoc analyses to explore new business opportunities; example, credit line increase/decrease criteria revision, new application score strategy development, profitability analysis, spend analysis, customer profile cluster analysis etc.

• Launched Customer Remedial Product Programs (Re-age, Rewrite, Extension, Aggressive Paydown, MatchPay and AutoReage) in line with stressed economic environment• Managed offshore teams for successful completion of regional projects • Formulated and reviewed risk-based Collections Strategy using Decision Trees (Angoss), Data Mining (SAS) & Systems Management (Auto Dialer, CACS and TRIAD) techniques.• Conducted key Champion / Challenger tests on Collections treatment/segmentation to validate/improve existing strategy (agency placement, field allocation, intensity variance, delayed calling etc.)• Visited Citi-Bahrain Q4 2009, for a Collections Strategy review to identify gaps and propose initiatives.

• Forecasted the expected Net Credit Loss on a monthly basis using Collection specific Loss Forecast Models • Determined & implemented Collections Strategy through CHAID Analysis to offer Settlements based on Bureau & onus performance