Currently leading the IFRS ECL estimation, Collection Analytics & Digital Risk Analytics team. Was earlier leading Credit risk modeling and portfolio analytics for Secured book of FICC as well as subsidiary HFC.Current responsibilities involve complete ownership of a high impact area i.e. ECL estimation for the organisation thus necessitating both internal and external stakeholder management. Additional responsibilities involve credit risk modeling (scorecards/other models) and portfolio risk analytics for Digital Portfolio of FICC, along with Fraud Analytics.In my previous role at FICC, I was leading Credit risk modeling and portfolio analytics for all secured business of FICC as well as subsidiary HFC and was responsible for development of various decisioning models across mortgage, commercial vehicle, two wheeler, home loan products. During this role, I was also supporting the Treasury team in driving the securitization deals for the organisation.

Credit Risk professional - 10 years experience spanning - Retail portfolio risk analytics across all retail products, - Credit risk modeling including development of Application, Behavioral, Collection scorecards,- Basel II IRB modeling including PD, LGD, CCF estimation as well as final RWA computation,- Corporate credit risk assessment