Led retail risk analytics unit for the bank with AED 9B retail asset, with direct reports of senior analyst/manager. Region Supported- UAE, IBG(Qatar, Egypt and Bahrain).‣ Custodian of Retail Risk Models for UAE & IBG : Credit risk models (PD, LGD & EAD) & Scorecard(Application, Behavioural & Collection) - development, validation, implementation, documentation,monitoring and strategy design on its usage‣ Credit Bureau Strategy (AECB) : Managed credit bureau strategy leveraging credit Report, bureauscore, bulk pull/scrub and Alerts for various acquisition and portfolio management .Successfully developed and implemented Gen 1 scorecard using credit bureau data for acquisition & portfolio management.‣ IFR9 ECL/Impairment : Member of IFRs 9 working committee ; Successfully led the development of entire suite of IFRS9 ECL model development in-house and implemented within just 3 months with satisfactory audit review.‣ Act as an advisory unit to credit policy unit on various strategic initiatives before rolling out‣ Leveraged / built scorecards across lifecycle management through application, behavioural, collectionand recovery

Setting up and leading an offshore credit risk analytics team for one of the leading banks in US, led various risk mitigating strategies for their small business-lending unit. • Acquisition Scorecard Validation • Acquisition strategy – Score Cut off Analysis : $3MMbusiness impact a year

Integral part of Analytics center of excellence (ACoE) of Genpact, managing 4-member team, serving Banking and Non-banking Corporation Auto portfolio with more than $60+ billion in assets.Geography : USA, Canada, Americas(Argentina, Brazil, Puerto Rico, Venezuela & Mexico)• Scorecard Development, Validation & Implementation – Acquisition, Behavioral, Bankruptcy• Acquisition Strategy - Approval rate, line assignment, pricing, residual risk, determination of residual value of lease contract• Portfolio Management – Loss forecasting, pre-approval strategy, Lien registration strategy • Collection strategy – Development of collection scorecard/strategy for early and late bucket, recovery models • Portfolio Reporting – Dealer Quality report, Portfolio quality report • Data visualization tool – Implementation of Tableau • Experience in building PD models using large data and with sparse data

In depth knowledge of market research in Consumer packaged goods industry/retail, providing statistical data driven insights to Client like PepsiCo, McNeil for effective spending on their marketing expenditure. Extensively worked on projects like, Price and promotion effectiveness modelling - HLM Models, Demand forecasting using macro economics variables – VARMAX, Quantifying new product Incremental volume, Retail shelf space optimization, Assessing the effectiveness of various marketing tactics.