My Community Finance is a fast growing social FinTech firm that provides alternative ethical lending solutions by giving savers and borrowers access to Credit Unions, and Credit Unions access to a state-of-the-art fintech ecosystem. Our aim is to grow a select group of Community Lenders into a network of challenger banks offering a viable alternative to high cost lenders.

➤  Devised suite of strategy solutions to help customers stay away from persistent debt and    minimize business impact due to new regulations➤  Defined a performance scorecard and conducted daily meetings with the C-level execs to    assess impact and dynamically manage persistent debt strategies with ultra-fast paced    executions➤  Conducted business impact assessment of proposed tech solutions for PSD2. Provided    recommendations and influenced Boards decisions➤  Set out a roadmap of improved risk decisioning and profitability maximising initiatives    leveraging Open Banking➤  Conducted due-diligence for the business case and deal structuring for the new Loan    brokerage product ➤  Designed from scratch a new repayment protection product

➤  Set up a new analytics team to handle strategy assessment and reporting requirements for    the bank. ➤  Working with Business Heads and Heads of Marketing and Risk teams, assessed business    requirements and translated them into technical specs for a suite of datamarts and MI➤  Developed a risk-reward framework for evaluating all future commercial decisions➤  Delivered an Account Level Profitability (ALP) solution which linked account level CRM data    with the bank’s financial General Ledger, topped with an intuitive, easy-to-use TABLEAU    visualization for all strategy evaluation purposes in the bank, from analysts to C-level execs➤  Built a Machine Learning model using Random Forest algorithm for real-time transaction    fraud detection

➤  Created data driven strategies for optimizing new customer acquisitions through the Digital    channels- Paid Search, SEO, Display, Mobile, Financial Aggregators, 3rd Party affiliates, and    Social Media, for all Barclaycard products in the UK➤  Expanded into new channels like TV, Video-on-Demand, Print, London Underground    and Out-of-home.➤  Supported the MD - UK Acquisitions and MD - Marketing in achieving the new customer    acquisition targets while ensuring marketing budget is optimally allocated and necessary    financial controls are maintained.Key Achievements¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯  ●  Analyzed the TV ad campaigns to accurately estimate the impact on new acquisitions and      brand metrics, and recommend optimizations on ad messaging, media buys and deal      structures for future ad campaigns. The analysis involved fuzzy matching techniques and      econometric analysis with Adstock parameters to measure halo impacts and isolate cross-      channel interactions between online and offline marketing activities, and behavior segment      and risk profiling to estimate additional credit risk not identified by risk models.  ●  Set up Big Data Hadoop platform on the website to improve analytical capabilities for      optimization of website conversions  ●  Created a test-and-learn framework for accurate attribution and planning of digital      channels- including Display and Search using Google GeoTests.

➤  Provided thought leadership, identified business opportunities, and delivered data-driven     analytical strategies to spearhead the growth ambitions of the Portuguese Credit Card     business➤  Led the Portugal Analytics team, defining and driving the analytical agenda for the business➤  Led the wider European Analytics team’s efforts in delivering the regulatory portfolio Stress    Testing exercise for all Barclaycard Europe portfolios across UK, Germany, Portugal and    Spain.Key Achievements¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯  ●  Delivered 30% Growth in new loan originations  ●  Developed original algorithm to calculate at a customer level, the pricing of offers provided      by competition to our existing customers. Tailored competition beating strategies at      customer level which delivered 20% growth in portfolio profits  ●  Directed a market segmentation for Portuguese credit cards, and conducted the      commercial evaluation of the profit pools. Identifying key priority under-served segments      and launched a new product as a result  ●  Led a pan-European team of Strategic Analysts to deliver the regulatory Stress Testing      exercise for all Barclaycard Europe portfolios. Built ARIMA time-series models to forecast      the portfolio assets under a recessionary environment. Working with the country-level      MDs and Risk and Finance Directors, devised alternate business strategies for each of      the countries in order to mitigate the risk to the business under macroeconomic stress.

➤  Managed the pricing, yield and income streams for Credit card portfolios in the UK, Germany,      Spain, Portugal and Italy➤  Delivered key strategic projects that impact the Barclaycard UK portfolio➤  Autonomously identified profitability and customer experience enhancing opportunities in the      portfolio, and delivered on the optimisation strategies, seeing them through till implementationKey Achievements¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯  ●  Reviewed and improved the existing methodology used for buying hedges and funding all      assets held by Barclaycard UK. This led to a £23 million saving in cost over 2012 and 2013  ●  Working with the Technology, Operations and Legal teams, identified and fixed multiple issues      with the billing systems that impacted customers and company on a very large scale. One      such instance restored £6 million in lost income annually. Another led to improved customer      experience for over 200,000 customers with substantial redressal payouts  ●  Designed and delivered multiple analytical training programs

●  Managed Balance Build program for all of Barclaycard's UK portfolios  ●  Radically redefined business strategy when new UK regulations led to a reversal of payment      allocation structure

●  Managed Balance Build program for six diverse cobranded credit card portfolios ranging from       retail houses to 5-star hotels  ●  Started balance transfer program on 3 new partner portfolios.

●  Devising Product Strategy for Capital One Savings   ●  Optimising the Internet and TV marketing strategy