Smita P. Email and Phone Number

Collections Analytics1) NPA Recovery Models2) Expertise on Late Delinquency Strategy and Charge off3) Legal Strategy design4) Bureau information expertise5) Budgeting/Forecasting/Provisioning

1) Analyzing Digital media Campaigns for US CPGs 2) Setting up Evaluation process for new markets like Latin America.3) Targeting algorithms based on purchase, relevant promotions, lookalike modeling and new stores.4) Have worked on evaluation for regular retailer channels like coupons/solo events in Latin American markets.5) Comprehensive knowledge of the digital marketing channels used by CPG - Emails, paid media, organic websites6) Exadata / SAS Unix expertise developed

1) Telecom customer usage prediction & optimisation for virtual mobile network provider in prepaid segment in US.2) Project mgmnt for a visualization project for a leading food manufacturer in Middle East. 3) Working on Product Migration and Consumer Usage analysis projects for telecom co in the US.4) Text matching algorithm development for IT Client.5) Coaching/ Mentoring interns and new joiners on SAS/ Business6) Project management - lead consultant for team sizes 3-4

Work involved liasoning with the pre sales team - BFSI located at multiple locations and developing analytics pitches/presentations.

BFSI- Analytics for Commercial Bank Qatar. Worked very closely with the Strategy and Marketing Head, implementing analytical solutions which was a first for the bank.

• Working on Citibank Partnership cards with Sears (2 million plus active customers) on Existing Customer Management policies• Responsible for Payments Channel; e.g. Payments which are floated / not floated and performance tracking of these existent strategies

• Part of the UK MME Credit team from September 2010 till February 2011. Key projects undertaken:o External Score Analysis – Assessing incremental benefit of buying new Experian score in identifying risky customer segmento BASEL Trigger Analysis – Analyzing actions taken on customers who were flagged off by BASEL Trigger for having higher balance than the credit approved by CARM system• Part of the Asia Pacific SME Marketing team from May 2008 till October 2010. Key projects undertaken:o Monitoring Module Set-up – Setting up fully automated process to monitor propensity of customers to either cross sell or up sell of productso Propensity Scoring & validation – Building Propensity model of a customer to up sell or cross sell on various products like life insurance, deposits, investments o Sense & Response Phone Marketing Framework – Pilot phase of generation of marketing lists for Hong Kong – ASP markets segmenting customers into high/medium/low priority. Then finding the effective increase in OPI & Product take-up after which it was rolled out large scaleo Development of ad-hoc profiling KPIs at product & customer levels – Designed & developed profiling reports for various products in HK-ASP as a pre cursor to understanding the product linkages & understanding trendso Sales MI Data Mart & Pack Development – Responsible for setting up the sales MI data marts and process of generation of reports for HBCN (China)o Telegraphic Transfer Campaign Analysis – Studied the difference in incremental ROIs between test & control groups

Objective : To SET-UP a credit-scorecard monitoring module and automate the whole procedure for the client: HFC Bank, UK. Key Activities: Study the Credit Scoring Application Scorecard for the product: PB FORMER, and RETAIL both of which are unsecured loan products of HFC Bank, UK.Check for data integrity and Deliver the monitoring pack to the client, and help with the transition of the process for regular generation to the local MI team.