Lending Strategies

Small Business Lending

Credit card sub-prime underwriting strategy design

Small Business Underwriting/Line Assignment Strategy Revamp for Leading US Bank- Currently involve in designing next generation underwriting strategies for a $3BN Small Business credit card portfolioLoan Loss Reserve Forecasting Optimization for Leading US Bank- Managed Loan Loss Reserve for $70BN+ credit card portfolio. Direct management of 3 Analysts- Recommended Loan Loss Reserve build / release based on macro-economic outlook and forecasted business. Liaise directly with… Show more Small Business Underwriting/Line Assignment Strategy Revamp for Leading US Bank- Currently involve in designing next generation underwriting strategies for a $3BN Small Business credit card portfolioLoan Loss Reserve Forecasting Optimization for Leading US Bank- Managed Loan Loss Reserve for $70BN+ credit card portfolio. Direct management of 3 Analysts- Recommended Loan Loss Reserve build / release based on macro-economic outlook and forecasted business. Liaise directly with external auditors, regulators (OCC), Chief Risk Officer Show less

Responsible for developing and updating risk model for default prediction using data mining and predictive modelling.

Finance and Strategy

1. Presented business proposition to MD, Debt Capital Markets for Public issue of Debt. 2. Live deal: Worked on the NCD issue of an Indian Client; Deal size of INR 150 crores. 3. Live deal: Key member of the team for onshore-offshore debt funding through non-ECB route. 4. Coordinated with World Bank, Asian Development Bank, and MFIs for a possible deal structure. 5. Studied origination, execution & recommended sales & distribution strategy for tax free bonds

Developed a software QA-Grid to automate tasks on a list of machines. Achieved 70% improvement in analysis time and was offered a pre-placement offer.

Implemented a new method of processing data for Parkes Radio Telescope. Achieved 500x improvement in time resolution.