"Dil se Open" learning from a team of 10+ workaholicsTeam involved in the following tasks- Prediction of new branch / ATM location- Branch and ATM profitability assessment- Branch categorization and premiumization- Micromarket segmentation- Liability sales analysis- Branch employees KRA and incentive analysis- Personalization for both employees and customers- Customer mapping and de-mapping with frontline banking employees- Deriving maximum benefit from internal dashboard reports- Helping marketing initatives- Industry insights generationDrafted into the Deposit Mobilization crack team "Project Triumph"- Simplifying and standardizing dashboards- Generating data insights- Regular reporting to senior leadership of the bank

• Conducted market research and developed product portfolio for ecommerce business exploiting market opportunities• Launched 10+ products on multiple ecommerce platforms • Delivered sales growth of 25% over each subsequent quarter and generated breakeven within an year of operation

Business loans customer management Nov 2020 – Apr 2021• Framing and aligning customer management strategies of small business portfolio of Kabbage Inc. with American Express such as collection and customer communication strategies• Working with teams across New Accounts, Compliance, Operations to streamline and approve process documentation related to the portfolioBusiness card line management Jan 2016 – Nov 2020• Led line management strategy transformation for US card segment for both small and large businesses• Led operations and oversight teams to forecast customer call volume which goes into resource requirement • Designed an updated payment based line increase request strategy leading teams across US and international• Designed strategies to reduce manual intervention in the document review process for line increase request• Formulated a self-serve strategy for customers requesting line increase

Personal card line management May 2014 – Jan 2016• Led the team in technology framework transformation for line management strategy across 20 markets• Worked on line assignment strategy for pay-in-full credit cards based on default probability, customer remit pattern, bureau etc balancing standardization and localization of the line across 20 markets incl. Canada, UK, Japan etc• Designed eligibility, exclusion and communicability criteria for line reduction• Led line alteration strategy for customers on direct debit strategy Personal card case setup management Apr 2011 – May 2014• Prepared strategy for credit cards based on credit line, default probability, amount at risk, tenure, days since pay due• Led the team in updation of case setup strategy for 20 markets based on probability of model update• Assessed the performance of responder vis-à-vis non-responder population of any campaign for acquisition on existing customer base

• Worked in Credit Analysis Unit in the Investment Banking Division• Analysed annual reports of firms to give an internal credit rating to them.• Compared macro-economic trend, industry trend, past tend of the firm, peer analysis.