Spearheading and overseeing two key work streams:- Customer Experience Modelling and Data Science Team: Driving the development of machine learning models to predict customer behaviour.- Smart Banker: Orchestrating intelligence and analytics initiatives focused on retail liability premium and relationship-managed customers.

- Developed Collection models for bucket movement and settlement strategy using Gradient boosting in python.- Developed ECL model by estimation of risk parameters PD, LGD, EAD and EL Adjustment Factor.- Overall computation of ECL as per IFRS9 and IND AS guidelines for provisioning of entire portfolio across different products (urban and rural sectors).- Governing risk by assessing month on month expected credit loss and carrying attribution analysis to help in understanding the… Show more - Developed Collection models for bucket movement and settlement strategy using Gradient boosting in python.- Developed ECL model by estimation of risk parameters PD, LGD, EAD and EL Adjustment Factor.- Overall computation of ECL as per IFRS9 and IND AS guidelines for provisioning of entire portfolio across different products (urban and rural sectors).- Governing risk by assessing month on month expected credit loss and carrying attribution analysis to help in understanding the dynamics of movement in P&L thus supporting risk and collections in adopting certain adequate actions and policies.- Developed 5 year business plan by forecasting loss rates and loan recoveries; acted as a bridge between finance, business and risk team, driving business growth, P&L goals, and strategic initiatives.- Created a more robust methodology to forecast loss rates and solely reduced processing time over 80% by migrating project to python Show less

- Team Role in Fraud Prevention: As part of the Check Fraud Strategy team, focused on fraud identification and risk mitigation, actively contributing to the organization’s efforts to combat financial fraud.- Channel Management: Managed multiple channels with an annual loss exposure of approximately $60 million, playing a critical role in identifying vulnerabilities and implementing strategies to minimize financial losses.- Data-Driven Strategy Development: Leveraged cross-LOB data… Show more - Team Role in Fraud Prevention: As part of the Check Fraud Strategy team, focused on fraud identification and risk mitigation, actively contributing to the organization’s efforts to combat financial fraud.- Channel Management: Managed multiple channels with an annual loss exposure of approximately $60 million, playing a critical role in identifying vulnerabilities and implementing strategies to minimize financial losses.- Data-Driven Strategy Development: Leveraged cross-LOB data, including online and event data sources, to develop targeted strategies for detecting check fraud. These efforts successfully reduced losses by $2.5 million per year, demonstrating the effectiveness of data analytics in fraud prevention.- CIR Process Implementation: Established the Check Image Reference (CIR) building process for the complete portfolio of In-clearing, enhancing the organization’s ability to analyze and respond to fraudulent activities effectively.- Operational Partnership: Collaborated closely with the Operations team to keep them informed about new fraud trends, resulting in enhanced operational efficiency and more proactive measures against emerging risks. Show less