Responsible for leading credit risk practice in the organisation. The role includeDeveloping new solutions/ product and managing current solution in the area of risk managementProvide consulting to the Indian and international client to solve their business problems in the area of risk, participate in RFP and POC creationResponsible for grooming the current team and delivering solution for improving a business process end to endGuide the team to develop variety of models and strategy to solve business problem ranging from leverage,attribute creation, underwriting automation,various acquisition, account management and collection modelsDeveloped underwriting rule engine for auto loans,Bureau time series variable creation,No hit model development for a growing portfolio, strategy development for high and medium ticket size business loan, thin data decision tree model for asset and liability, leverage index development etc.

Lead offshore team for Mode risk Management and Linking and identity (bureau analytics).▪ Team management and Attrition Management - expanded team from 4 to 10 member with one of the lowest attrition across the organisation.▪ Mange client engagement and ensure deliverable are on time and of highest quality.▪ Review and guide team members on Model risk management and bureau analytic.▪ Hand's on experience on Model Validation for variety of scorecards for consumer ( secured/ unsecured) and commercial ( financial/ non financial).▪ Ensure thorough assessment of model risk for the organization and provide an independent model validation report after audit to model development,Product and legal team for remedial action.▪ Build alternate model on various techniques (linear/ logistic/ SVM/ Neural Network/ decision tree) to do an impact assessment for variety of scorecards.

•Responsible for enhancing, updating, and maintaining CCAR Stress Test Models for mortgage, credit card and personal loan portfolio.•Developed Macro models that would forecast quarterly loss based on macroeconomic and internal Variables.•Provide support to Model validation to check the robustness and accuracy of Stress Test Models.•Develop remediation plan based on model validation report and work towards improving the Model.•Economic Capital calculation and documentation for Regulators.•Mentoring New Team members and help in acquiring new team members.

•Developed an auto finance pricing tool for a US bank by leveraging my learning on consumer risk domain and applying it on auto finance business.•Provided various training and mentoring to college interns and other teams on credit card industry overview and product analytics.•Found suitable role for team members under me and transition the portfolios work to onshore team.•Successful transition of 4 portfolios during my movement to other team in a short time.•Completed various ad-hoc requests from client and helped the new analyst to get up to speed quickly.

•Independently handle multiple portfolios- started with independently handling 2 portfolios, based on my consistent performance given further responsibility to Manage 2 more portfolios and lead a team of 3 members.•The Portfolio variety is different ranging from online, gasoline, brick and Mortar (Major US retailers).•Completed various thought leadership projects on different portfolio and across functions.•Handled four portfolios and lead a team of 3 people- moved my team to higher scale in terms of better business understanding resulting in insight based analysis and strategies in a short time period.•Developed various strategies in authorization, credit line management and fraud Management.•The strategies developed/modified resulted in an Incremental sales impact of ~83 million and RACV/Loss saving of 1.56 million.•Got Green belt Certified, one of the authorization strategies was awarded best Green Belt project across CAAR.•Mentor and helped new team members under me to move to a higher scale in terms of better business understanding, insight based analysis while maintaining timely and accurate delivery resulting in increased client engagement level.

•Worked as a primary resource for two new portfolios, developed my tool skill and business learning.•Development of portfolio tracking dashboards for two new portfolios - Challenge was to identify various segments and nuances of new portfolio based on very limited information in tight timeline. The dashboard format was later replicated to some other portfolios. •Done various adhoc analysis and deep dive in areas of acquisition and account Management.•Developed authorization strategy and fraud strategies for different portfolios resulting in incremental Sales Impact of approx 27 million and RACV/ Loss Saving of 2.7 million.•Developed my understanding on new tool and business- SAS, MBDT,MS Office