- Enabled and maintained BigData platform for the analytics team.- Apart from managing a high caliber team based out at Pune, set-up a new team in Cairo-Egypt to deliver analytical projects in North African countries. Was responsible for hiring, grooming and enabling the team for delivery of projects.- Was responsible for credit bureau score development, implementation and maintance of all creadit bureaus owned/partnered in Asian and Middle-eastern countries. This included consumer as well as commercial (i.e. company) credit bureaus.- Was also responsible for develpment and implementation of scorecards and other analytical solutions of Business Information (essentaily company's information of firmographics, financial ratios and non-financial KPIs derived from Assets & Liabilities etc.) database of multiple countries in Asia & Middle-East.- Hiring, groooming and enabling team members to achieve goals set for the unit.- Setting up KRAs for the team members.- P&L management for projects and at unit level.

Lead a team of 35+ analytics professionals responsible for delivering analytical solutions (predictive + prescriptive) for Asia and Middle East markets.Responsibilities includes, but not limited to (as we are still budding team):- Devising solutions for end customers using traditional/machine learning/deep learning models.- Working with internal stakeholders world wide to enrich each others expertise and enhance our offering buckets to the end customers.- Localize global assets to Asian and middle east markets.- Hire, train and define career progression for the team.

Spearheaded pre-sales and delivery of projects for middle east market. Also, worked with Indian lenders (Banks & NBFCs) and Indian credit bureau as additional responsibility. Projects snippet- Developed generic bureau scores for for UAE credit bureau for its consumer as well as commercial credit bureau.- Developed skip score for UAE credit bureau for its consumer bureau.- Enhanced UAE consumer bureau score using machine learning to launch its Gen2 version.- Developed application scorecard and implementation strategies for one of the largest banks in middle eat.- Developed commercial bureau score for CRIF's India commercial bureau - CRIF HIGHMARK.- Monitored and strengthened sales pitch for consumer bureau score for CRIF Highmark (Indian consumer bureau of CRIF).- Developed rating system for India based on business information (similar CRISIL rating system) for a company.

Lead multiple teams for Equifax USA and India over ~4.5 years.- Set-up a new team from scratch for Equifax-USA. This was first time, Equifax-USA outsourced any analytics work outside USA. Started a team of 5 members and grown it to 30+ people in the next ~3 years.- Lead multiple teams for Equifax USA business - Customer analytics, product development, attribute development, model monitoring ang governance.- Lead projects to develop analytical solutions (predictive as well as prescriptive analytical) for Indian banks, NBFCs and FinTech's.Projects snippet:- Application fraud scorecard for credit card portfolio of one of the largest private bank in India- Application fraud scorecard for two wheeler and consumer durable portfolio of a leading NBFC in India.- Owner Occupancy Model predicting the potential investor for effective risk prediction and pricing as occupancy misrepresentation causes more losses in the event of default.- Risk and response model for a leading American online retailer.- Response model for a leading American chain of Hotel & Resort.- First generation collection scorecard & strategy for a leading two-wheeler financing NBFC in south India.- Application scorecard and strategy for a leading two-wheeler financing NBFC in south India.- Lapsation model for life Insurance product for a leading Indian insurance provider.- Expert scorecard for a Fintech firm for their payday loan portfolio especially customized for youths from tier-I cities.- Loss forecasting using Markov Model for two different leading Indian NBFCs.- Collection scorecard and strategy for a leading Indian Bank for its Mortgage portfolio.- Anonymized application scorecard using only bureau data for a leading Indian Bank intended to expand credit card portfolio from a targeted customer segment.

Worked across teams: Strategic Information Management/Partnership portfolio/GMRA for Citi, Fraud analytics team of Bank of America.Highlights:- Collection scorecard development for Citi partnership portfolio.- Transaction fraud detection analysis for Citi partnership portfolios.- Application scorecard development for Citi Non-USA portfolios.- Development, Modification and MIS of the strategic MIS of all cards portfolio. This is used by Citi cards management (CRO, portfolio managers, risk managers, marketing team etc..).- Basel - II reporting for Citi cards portfolio.- Analytics around reducing capital requirement to meet Basel-II requirement.- Transactional Fraud detection, mass compromise of credit cards and reissuance of compromised cards for Bank of America.

- Insurance Analytics for a general insurance companies in USA- Market Research Analytics for products of Microsoft