- Automated the credit assessment framework leading to reduction in average underwriting TAT- Built a payment prediction model to improve customer collection experience- Developed a robust Early Warning System (EWS) resulting in DPD 30 decreasing leading to a significant enhancement in portfolio quality

• Achieved 11% improvement in false alarms through recalibration of model thresholds• Improved miss rate by 23% by recommending variable and parameter changes leading to a reduction in exposure to cases not alerted by model from 48cr (Q1) to 32cr (Q2) for FY 2021• Improved user experience on the EWS platform by adding 32 new features which included a feedback loop to incorporate human input to improve the model• Reduced future litigation risk by negotiating payment clauses and included an arbitration clause in vendor agreements• Automated monitoring of multiple model performances for various segments including WBG, MSMEs, channel finance and credit fraud using SAS Enterprise Guide

• Forecasted future NPA trends by analysing the similarities in the moratorium period during the COVID pandemic and demonetization• Conducted industry benchmarking by comparing lending criteria across different players in the finance industry and correlated it to NPA performance• Developed a reporting system to understand the effects of adverse media on overseas subsidiaries of Indian companies using web scrapping and NLP

• Piloted the channel partnership program, identified potential partners and curated the preliminary pitch• Conducted market research, identified customer needs and product bundles for the product• Improved SEO relevance of the company on their Youtube channels to improve organic search position