 Oversee $2.7 Billion Cash Advance program and $3.0 Billion Proactive Cash Credit Line Increase strategy to ensure program is operating within defined risk appetite, providing oversight on strategy change/enhancement, identifying risk and opportunities, and working with front line unit to find solutions. Provided oversight to stress test strategies to determine program resilience; reviewed and validated model to be used for loss estimation, recommended overlay adjustment to account for known model miss, challenged and made multiple pushback on assumptions that are being fed into P&L. Driving analysis for other account management strategy area (promotional cash, risk detection, authorizations etc), leading analysis to define and identify first party fraud under very tight timeline to address OCC MRA regarding loss realization, successfully resolved to meet regulatory requirement with accelerated charge-off of $9.5MM outstanding balance.

 Managed and conducted valuation on Direct Mail Pre-approved Core and Recovering segments to determine the breakeven loss rate. The breakeven loss rate has been utilized to guide risk cut for targeting strategies and Yes/No underwriting decisions. Led cross-department efforts to understand disconnection in loss estimation for direct mail lead selection; identified key factors that contributed to the loss disconnection and followed through action items owned by various teams with solutions. Leading the efforts to develop a Geographic tool; performed back-testing on historical vintages; presented to senior management with recommendations on potential usage; secured approval from Tool Governance. Led the validation of CICPM model on both New Accounts and Portfolio Management (Core and Student/CB); identified areas for potential usage of the model in risk strategies based on model performance; partnering with strategy team to pilot the integration of CICPM for loss estimation. Partnered with modeling team on the development of two major risk models (BANCAR2 and DealGrade), including model design/data gathering by providing business insight and expertise regarding segmentations, model reviews and data integrity.

 Partnered with modeling team to ensure proper implementation and execution of marketing models; and initiated model development based on business needs. Conducted customer continuum analysis using Correspondence/Discriminant analysis to identify bank product bundles and new product opportunities. Analyzed credit card multivariate campaign testing results to estimated main & interaction effects of offer components; made recommendation and re-calibrated model to align to more recent trends Built profiles of bank primary customers; built model to predict the likelihood of becoming primary customers among new bank customers.

 Responsible for forecasting losses for consumer lending products, working closely with business partners to provide monthly forecasts in support of loss reserve and acquisition/portfolio management. Took the lead to move forecasting platform to a vendor software from an Excel-based loss forecasting by leveraging modeling and SAS programming skills; the new tool increased forecasting accuracy and provided capability to better understand vintage quality and account performance.

 Used logistic regression and built a business card response model to predict likelihood of responding to new offers for existing customers when customers called in for service. Automated the process of validating 10-15 existing response models on a monthly basis using SAS macros, ODS, Proc SQL, Tabulate and Gplot. Enabled the creation of standard/customized validation reports within 2 hours based on user-specified criteria. Evaluated the performance of business card cross-sell programs, including writing queries to prepare data, resolving data issues and conducting analysis. Performed analysis to identify credit card surfers dynamically using data on new customer introductory periods and portfolio performance; conducted trend analysis of surfers for different campaigns.

 Leveraged SAS and SQL skills and conducted an exhaustive review of card member attrition data; identified the most profitable customers for retention. Automated the process of updating telephone associates tenure information and calculating average handling time using SAS Enterprise Guide. Improved the process by reducing the execution time from one week to less than 2 hours. Analyzed the impact of abandoned phone calls on card member spending behaviors, including pulling data from different data sources according to project requirements, conducting analysis and preparing reports. Took the lead and performed analysis on frequent callers, including identifying and profiling those customers, and modeling the impact of those calls on overall call volumes.

 Led the development of nine annual reports, including preparing data, performing data analysis and writing reports. Added five new reports within two years and increased the volume of distributions by over 20%. Developed, maintained and enhanced in-house SAS programs to create standard as well as customized reports for internal and external stakeholders. Responded to 130-150 information requests every year. Took the lead and established a process to create a 7-page report for each of 800 selected companies using PROC Tabulate, arrays, ODS, SQL and Macros. Provided statistical programming support in SAS and developed a 3-year projection model for income support programs. Built models for five major programs using time series forecasting techniques.