Managing Partner/Co-founder/CEO - AI, Data & Product Executive. Advises CEOs ,CFOs and CMO's on AI-driven data transformations, leads AI initiatives and business development, and builds high-performing teams.

Reported to EVP Products, based in Chandigarh, India and closely collaborated with two EVP of Technology (US, India), CIO, CRO, CMO, CSO, CFO based in Atlanta, COO & CEO based in NY. Responsible for building US Product team consisting of 8 Product Managers, circa 100+ Engineers (US, India), running three payment products lines (~80% of top line revenue) across Small and Medium Business segment and innovating company-wide strategic product initiative a.k.a as Passport. Led a very complex M&A Integration of products across 4 different cultures and teams. 25% of time was spent on Team building, 25% on Internal and external Stakeholder Management, 25% on Product/Process management, 25% on Strategy. Key performance metrics are driving top line revenue growth of 20% on a revenue base of $600M+ and driving operational KPI’s to seamlessly process $110B+/ year in payments volume while resolving issues. Accomplishments • Built a high performing DEI US product team in Atlanta HQ, consisting of 8 product managers and technical writers. •Delivered on 2022 revenue and operational KPI’s leading to performance bonus (100%) and commendation letter from CEO.•Led a very complex M&A Integration of product and technology functions across US and India development teams.•Launched the Merchant Funding Instant Funding initiative in incremental steps across POC, MVP, MLP and Full Solution. •Led the financial transformation, enabled SOX compliance, streamlined and improved CAPEX/OPEX ratio reporting.•Managed product lifecycle from end to end - including gathering requirements, user experience, product and operations roadmap, go-to-market strategy, product release communication, coordination and launch across multiple domains and/ or products.

Reported to the Head of Product, Payment Services, based in Seattle. Responsible for leading Amazon Disbursements (Payouts) products strategy and roadmap worldwide with payouts reaching ~$1T, building products and delightful payment experiences for 3P Sellers, Vendors and Accounts Payable use cases for 56+ Amazon businesses WW, manage KPI's, reduce defects in the pipeline through business ops and tech ops teams. 30% of time was spent on launching Real Time Payments across 3P Sellers and Vendors. 25% on Strategy and another 15% on Operational Excellence/KPI’s, 30% on Monthly Business Reviews, QBR’s, OP1/OP2 planning process. Key performance metrics are Total Disbursement Volume, improving Disbursement Success rate across all Amazon businesses, 3P Sellers, Vendors and Banking Partners WW. Closely collaborated with Consumer Payments BU, Consumer Retail BU, AWS BU, FinTech/CFO/Treasury/Corporate Development/Legal teams. Accomplishments •Acted as a Quarter back for "On Amazon Payments" and "Payments Services" Operating Plan for 2022. •Laid the foundations for disbursements long range plan for enabling FinTech 2030 vision.•Launched the first real-time payment (RTP) disbursement transactions for Amazon Flex business and 3P Sellers in US.•Led the product roadmap and evaluate Push to Debit opportunities for faster payments through card rails.•Closed the Visa-Amazon Acceptance agreement to launch Visa Direct (Push to Debit) pilot across three use cases. •Reduced counterparty risk and improved redundancy through launching new banking partners in US, JP, UK and EU.•Managed Banking Partners roadmaps WW to help execute product vision for Amazon Disbursements.•Led Partner Lifecycle management, partner performance and partner case management workflow systems.

Reported to the EVP of Product, based in Santa Clara. Responsible for Product Management and strategy for FI Insights (AI/ML) and Analytical products. Developing Card App Dashboard and Reporting to demonstrate the value to the FI’s by designing KPI’s for Adoption, Usage and Value (Revenue, Cost Benefits) metrics across features such as Card Controls, Alerts, Digital Issuance, Transaction Insights, Transaction Enrichment, Self Service, Mass Enablement and Transaction Authorization Alerts. 50% time spent on FI Insights Strategy and another 50% on Product Development. Key performance metrics are laying out Financial Institute(FI) Insights strategy, developing POC’s. Accomplishments •Built the Product Strategy and Analytics Playbook, conducted a thorough competitive research assessment and laid out 30+ product themes and solutions the company can prioritize to build around insights and differentiated data assets.•Built the MVP, Product Strategy roadmap and Product Requirements for Transaction Insights leveraging the basic transaction-level data from Processors and FI’s using Tableau Server and Snowflake pipelines.•Provided Sales Enablement and analytical support for the “Card App” Product Solution Suite and ROI model.•Designed the data architecture and product vision behind Consumer Persona's, Preferences and contextual offer strategy by laying out a roadmap using un-supervised machine learning modeling techniques with Tensorflow, Keras, Scikitlearn.•Assisted the CEO in building the leadership team and business development activities in Atlanta.

Reported to the SVP of Analytics, based in St. Louis. Responsible for leading a matrix global team of Sr. Directors/Analytical Specialists/Analytical Consultants/Statisticians/data analysts in executing on projects and initiatives supporting the Verification Services Products P&L of Equifax Workforce Solutions (EWS) business unit (~$1B BU of Equifax). 25% time spent on Customer Analytics, 25% on Team, 25% on Sales enablement and another 25% on Innovation and New use cases of TWN data. Key performance metrics are Sales Revenue enablement ($400M+ across Financial Services, Talent Solutions and Government Vertical), number of data driven POC’s/ new use cases/Self-Serve Insights that support New Product Innovations.Accomplishments • Delivered results supporting ~ $400M+ in sales enablement, Product development, innovation, analytical consulting, data strategy, strategic insights, predictive modeling, development of new use cases for income verification products across the customer value chain and key verticals (Auto, Credit Card, Retail card, Consumer Finance, Online Lending, Debt Management, Capital Markets, Communication, Insurance, etc).• Led analytics and sales support efforts for multiple customer co-innovation and key client/strategic engagements such as Capital One Credit Card Line Increase Programs, Credit Karma, Barclays Credit Card, American Express, Citizens, Chase Mortgage, State Farm, PIMCO, PNC Bank DDA, US Bank Auto, PWC, etc.•Architect-ed a new product use case for Auto Pricing Optimization and Auto Pricing Index using the TWN Overlays.•Transformed and led the D360 with USIS/ multi-business units (BU) data assets initiative to overlay EWS data assets with enterprise data assets via strict data governance and implementation roadmap.•Led key initiatives such as the development of TWN Risk Score POC’s across Auto, Card, Retail and Personal Finance Verticals, leveraging state of the art machine learning tools such as Equifax Advanced Model Engine.

Founded in 2013, LendLift, set out on a mission to help address the problem with high interest credit card debt by creating a credit card refinancing/payoff marketplace platform for people who do not have prime credit ratings. Responsible for building a founding team, set the strategy, build product/technical roadmap, business development, fundraising activities. 25%-time business development, 25% on Team development, 25% on Strategy/Product and another 25% on Fundraising.Accomplishments•Founded, bootstrapped a start-up and built risk-based products (CCAR, Macro Scorecards), solutions and financial literacy tools.•Provided strategic vision and leadership for a dynamic and lean FinTech start-up.•Pivoted from building an online marketplace platform to becoming an enabler in providing risk and data solutions.•Built the brand, product, online platform, strategic partnerships, technology, risk/financial/marketing strategy•Key mentions & Conferences: Village Capital FinTech Finalist- Most Innovative Start-ups, Southeast US 2015, TAG FinTech Innovation Award Finalists-2014 & 2015, Venture Atlanta Business Launch -Semi-Finalists 2015, TAG FinTech Hackathon 2015, LendIt conference – 2013,2014 & 2015, TAG FinTech Symposium-Innovation Alley selected companies 2015 & 2016, Semi-Finalist at Swim with Sharks 2013, Finalist @ two Incubators in NY 2013.

Reported to the SVP of Analytics, based in Charlotte. Responsible for analyzing credit risk performance of the consumer and small business card portfolios, evaluating existing credit exposure management strategies for the card portfolio as well as developing challenger strategies utilizing both batch as well as automated (TRIAD/TSYS) processes. Responsible for analyzing risk performance of the credit card products, management of existing reports, as well as developing new reports based on business requirements. Work in conjunction with Marketing and Product partners to develop/execute appropriate portfolio campaigns that are within risk tolerance as well as to monitor and evaluate post program performance in relation to key risk metrics. Identify and recommend opportunities for improved portfolio performance for risk and for overall profitability. 50% time spent on Risk Performance Analytics, 50% on Loss Forecasting/Stress Testing Accomplishments•Executed monthly loss forecasts (CCAR), allowances, TDR’s, stress tests for Wells Fargo portfolios ($16B receivables).•Executed BASEL II forecasts (PD, LGD, EAD) under various stressed scenarios.•Advised C-level audience on portfolio delinquency trends and macroeconomic impact on credit losses.•Executed customer selection forecasts for Wholesale, Wealth, Brokerage and Retirement business lines.•Promoted twice and received two recognition awards from Chief Risk Officer.

Reported to the SVP of Model Governance, based in Charlotte. Responsible for Independent Model Validations. 100% time spent on Independent Model Validations, Roll Rate Calculations for Mortgages, Consumer Deposits Forecasting(O/D Models).AccomplishmentsModel Independent Validation: Consumer Deposits Credit Loss Forecasting:•Construct Independent Validation for Consumer and Small Business Deposits provision loss forecasting model. •Reviewed the forecast models that predict Over Draft Hard $ amount & Over Draft Fee Amount through 180 day pipeline.•Conducted documentation and methodology review for deposits credit loss forecasting model.•Created performance assessment templates for backtesting and RMSE calculations.•Conducted performance assessment for Provision Loss amount, Overdraft balance per account, Overdraft balance & cure rates. Model Independent Validation: First Lien Mortgage Credit Loss Forecasting:•Reviewed the Subjective Yellowsheet loss forecasts that derive the D180 scalars for LBAC and LCFC portfolios.•Performed Independent validation for D180 scalar calculations in loan level subjective adjustments for credit loss forecasting.•Documented the scalar calculation process in the Model GP site for internal and external audits.•Provided recommendations and approvals for D180 scalar calculations.

Reported to Director of Finance. Responsibilities for Financial Analyst included leading financial planning and analysis, , providing financial and technical expertise on projects requiring moderately complex financial analysis; Developing, enhancing and monitoring pricing models, forecasting models and revenue models; Analyzing and interpreting financial impact of alternative decisions on the profitability of product lines and businesses; Assisting in analysis and interpretation of financial statements and related reports; Participating in preparing long term strategic plans for the company; Preparing and analyzing Operating and Strategic plans, including quarterly forecasts; 33% time spent on Risk Management Analytics, 33% on Marketing Analytics/Predictive Modeling 33% time on Financial Planning and Analysis. Key Performance metrics included managing Credit Losses, Improving Response Rates, Optimizing Revenue growth.Accomplishments•Spearheaded the design for “OPTIMAX strategy – Marketing strategy based on response and revenue drivers”. Generated Incremental lead pool of 2MM+ for ES product targeting. Derived NPV’s by response segments to manage the telemarketingstrategies. Net revenue impact from test strategy in excess of $1MM compared to the control strategy.

Reported VP of Risk/Marketing Analytics. Responsibilities included leading cross-sell risk and marketing analytics for product & channel marketing teams (50+ members) with $800 MM+ Gross Revenue for fee based products. •Led the M&A and Integration of Risk Analytics functions of an acquired portfolio (Metris, $8B in receivables).Predictive Modeling:•Managed the predictive modeling, product analytics and marketing strategy for 30+ cross sell product acquisitions. •Built credit protection combo and custom response models for prime and non-prime portfolios. 33% improvement in Telemarketing strategy when compared to the existing models. •Developed the Third party product (Supplemental Insurance) marketing strategy and optimization.•Owned and supervised the development of 15+ response and revenue model scorecards, model inventory management, scorecard development automation, model validations (In-time & out–time) & compliance approvals.•Supervised and mentored a team of 5 analysts in model development, strategy & implementation.•Chaired the model approval committee and HSBC scorecard symposiums.Product Analytics:•Managed the analytics for In-house products billing initiative in improving product retention rates, billing rates & NPV. This initiative showed 21% drop in involuntary cancellations. Financial impact of the project showed in excess of $1.4MM/year ~ 2% of product revenue. The learning’s from the project were rolled across other In-house products. •Managed the product P&L’s and growth initiatives for Identity Theft, Credit Keeper, Daily Discounts and Vendor products adding $250+ MM/year in gross revenue. •Conducted product re-launch analysis, price tests(A/B testing), direct marketing optimization & quarterly PV updates.

Reported to the SVP of Risk Analytics. Responsible for Risk Management functions including portfolio management, predictive modeling and other analytical functionalities using complex databases and building strategies; Managing large and/or complex credit policy, risk and/or marketing projects, or risk technology platforms requiring advanced analytical quantitative and technical skills; Developing and recommending credit-related policies; Designing and writing mainframe and PC technical programs for statistical analysis of portfolio and/or Credit Bureau performance and monitoring; Performing more complex and advanced analytical projects and coaching 4 analysts; Key Performance metrics included managing Credit Losses, Improving Response Rates, Optimizing Revenue growth. Accomplishments•Managed the risk acquisition strategies for GMAC/RDR channels (GM Owners ~ $2B in receivables).•Performed card retention and profitability model validations for OCC audits•Developed the HSBC SAS 360* audit tool for Metro2 bureau reporting for the charge-off accounts and resolved Metro2 bureau reporting issues across Card Portfolios. Corrected the credit reports for 5M+ customers.•Built credit protection combo and custom response models for prime and non-prime portfolios. The new predictive models showed up to 33% improvement in Telemarketing strategy when compared to the existing models. KS improvement ranged from 20% to 31%. Incorporating new aggregated data sources (promotional data) have driven the lift in the performance.