Prashant Kumar Email & Phone Number

Manama, Capital Governorate, Bahrain

Kolkata, West Bengal, India

• Worked on implementation of Day2 scorecard for Current account strategy of UK FD- First Direct (HSBC Acquired book) whose forecasted benefit was of £13.6K. The change involved replacement of Equifax Adverse rules and Debt to income rule with TransUnion bureau details.• Have worked on the limit rationalisation of Current Accounts Overdraft limit for UK HSBC NTB customers by analysing their risk KPIs (CBS, Delphi Score, CII) using a Decision tree.• Contributed on Facility review… Show more • Worked on implementation of Day2 scorecard for Current account strategy of UK FD- First Direct (HSBC Acquired book) whose forecasted benefit was of £13.6K. The change involved replacement of Equifax Adverse rules and Debt to income rule with TransUnion bureau details.• Have worked on the limit rationalisation of Current Accounts Overdraft limit for UK HSBC NTB customers by analysing their risk KPIs (CBS, Delphi Score, CII) using a Decision tree.• Contributed on Facility review (FR) strategy change of UK HSBC ETB customers to align new FR strategy with Quarterly limit review (QLR). It involved changes in type of acquisition score and responsible lending rule.• Performed the impact analysis on CBS score realignment for different account management strategies• Involved in Strategy Gap analysis to understand the inconsistencies between different account management strategies across the products i.e current Accounts, Cards and Loans.• Have created PQR reports to facilitate the understating of portfolio health MoM. Also have created few MIS to understand the delinquency behaviour in certain set of FD customer Show less

Bengaluru, Karnataka, India

• Managed campaigns for 13 Lac CITI bank customers of Australia by analysing their banking and risk trend spanning across various Cards and Retail products.• Liaised with sales, products and marketing team to build strategy for the campaigns across the customer life cycle to drive engagement, retention and to increase bank's share of wallet.• Worked on a project for Pricing Segmentation and Stress Concentration Segmentation on Easy Payment Plan (EPP) option which we provide to Citi… Show more • Managed campaigns for 13 Lac CITI bank customers of Australia by analysing their banking and risk trend spanning across various Cards and Retail products.• Liaised with sales, products and marketing team to build strategy for the campaigns across the customer life cycle to drive engagement, retention and to increase bank's share of wallet.• Worked on a project for Pricing Segmentation and Stress Concentration Segmentation on Easy Payment Plan (EPP) option which we provide to Citi Cards customer after their statement generation.• Implemented a testing strategy to optimize campaign effectiveness and utilize model scores to accurately communicate the right message or offer to the right customer at the right time.• Have worked on an analysis of the spend usage project for Citi and Its partner cards. The project aimed at whether usage campaigns were deriving the core revolve ANR and what strategy best fits for its working.• Streamlined the campaign delivery by building an in-house framework called covenant which has increased our efficiency by approximately 30%.• Mentored and Inducted all the new resources (6 In total) in the team. Show less

Bengaluru Area, India

Bengaluru, Karnataka, India

Gurgaon, India

Managed the efficiency of £16 bn credit card portfolios of a major UK bank Barclaycard by tracking its risk metrics, analysing the data and calculating the monthly provisioning for capital adequacy management.Key responsibilities:• Managed the actual process for building up and reviewing the different impairment sources to produce monthly profit-loss and balance sheet impacts, in compliance with IAS39, and completing the reconciliations.• Additional provisions were taken through… Show more Managed the efficiency of £16 bn credit card portfolios of a major UK bank Barclaycard by tracking its risk metrics, analysing the data and calculating the monthly provisioning for capital adequacy management.Key responsibilities:• Managed the actual process for building up and reviewing the different impairment sources to produce monthly profit-loss and balance sheet impacts, in compliance with IAS39, and completing the reconciliations.• Additional provisions were taken through management adjustments (MAs) when modeled assessment of collective impairment was deemed to be insufficient. Liaised with the Credit Risk Officer to manage the efficient calculation of MAs which forms 20% of total impaired stock.• Efficiently calculated the risk parameters i.e. PD (Probability of Default), II (Identified Impairment) and UI (Unidentified Impairment) rate. The risk parameters were updated, reviewed and approved quarterly and were to be in compliance with the Bank’s Risk Policy. Data were analysed to study the effect of various policy changes and debt sales on these parameters.• Managed the efficiency of the portfolio by segmenting it to isolate the different charge-off and recovery behaviors and analysed the effect each segment would have on the risk parameters and impairment provision.• Implemented appropriate controls to ensure accurate calculation and reporting of impairment allowances which were in compliant with prevailing accounting standards and regulatory requirements. Liaised with the various audit teams (internal and external) to ensure that the control and governance procedures were in place and monitored regularly. Show less

Bangalore Area, India

Key responsibilities:• Setting Hadoop cluster in the organisation for running map reduce codes on terabytes of e-commerce data and finding the search pattern for each and every customer.• Have done linear regression modelling for INOX where the problem statement was to increase the footfall in their multiplexes.

Bachelor Of Engineering (B.E.), Biotechnology, 8.54

Activities and Societies: • Worked in Joyfest 2013. • Achieved 1st Position in CHEM-E-BOAT event organized in PANTHEON 13’ (college tech.

Physics, Chemistry, Maths, English, Physical Education, 87.8

Activities and Societies: Captain of cricket team and Member of volleyball team

Metriculation, English, Maths. Science, Social Studies, Sanskrit, 90.6

Activities and Societies: Member of volleyball team