Responsibilities: Leading and managing Airlines acquisitions credit risk India team ensuring alignment with stakeholders, Acquisitions strategy development, implementation, monitoring and testing for Airlines and Retail partners

Responsibilities: Leading and managing Airlines acquisitions credit risk India team ensuring alignment with stakeholders, Acquisitions strategy development, implementation, monitoring and testing for Airlines & Retail partnersAchievements:• Redesigning of Underwriting strategy for Airlines partners with acquisition channel segmentation which resulted in ~12K additional bookings annually with $18MM incremental risk adjusted income over 5 years• Acquisition Credit line assignment – Revamped a simple and consistent framework across partners for initial line strategy which yielded ~ 5% more revenue• COVID Risk Mitigation actions, validation of strategy framework with internal regulatory team, loss forecast for acquisitions • Led and managed team on multiple contraction and expansion underwriting proposals for airlines and retails partners

Responsibilities : Account Management for High Risk Card portfolio – Identifying High Risk customer traits & behaviours, Developing, implementing and evaluating risk strategies. Stakeholder management for US market. Achievements:• Redesigned a simplified and efficient Over-limit Authorizations strategy – helped in approving incremental monthly over-limit spends of $6MM and an incremental impairment saves of $50K per month.• Developed a proactive Payhold strategy for Payment Credit Abuse (First Party fraud) i.e for customer making high value payments, that can potentially bounce or customer mis-using resulting Open to Buy limit - this helped in preventing $210K spend losses per month. • Improvised Delinquent Authorizations strategy, delivering incremental monthly ~$90K impairment saves • Formulated an appropriate definition for loss assessment of FPF (first party fraud/Credit abuse) customers– this definition accounted for 14% of all spend losses. • Automated and streamlined monthly KPI reports for Risk senior leadership group – helped us save 50 man hours per month. • Designed Control Initiatives, Strategy documentation etc. Conducted technical trainings in the unit.

Responsibilities Managed a team of 4 analysts responsible for sizing and designing approach for various projects and developing reports. Client management.Achievements:• Developed an interactive dashboard and provided insights on business growth for Russian Banks for VISA cards – It involved bank’s performance comparison to its peers and suggesting measures to our client to grow business in industry.

Responsibilities: Developing and optimisation of reports, managing adhocs projects.Achievements: • Identified potential credit card customers for motor loans Cross-Sell – implementation of the analysis led to growth of motor loans portfolio by 20%. • Automated reports – helped us save 80 man hours per month.

Responsibilities: Implemented SAS expertise to minimize use of excel, supporting retail and wholesale banking Portfolio (Cards, Unsecured & Secured Loans, Agro portfolio) with insights & reports development.Achievements:• Excel Elimination project – Migrating excel reports to SAS platform had cost and secured reporting benefits for ICICI bank. • Acquisition status of various bank products – The project was designed using SAS and HTML hyperlink to track acquisitions lifecycle of bank products till it reaches the customer