Business lead for Instant Loan on Credit Cards and EMI on Credit / Debit Cards

Analytics lead for:-Customer management for credit & debit card: responsible for balance, spends growth & customer engagement initiatives like retention and upgradesMerchant acquiring business: responsible for end to end business analytics

Member of Existing Customer Management (ECM) - Credit Risk Policy for $14+B Sears Private Label and MasterCard portfolio of Citi Retail Services.Overall oversight of Credit Line Management channel - including line increase, invitation to apply for line increase, line decrease and account closure strategiesDesigned and implemented risk segmentation for proactive and contingent line increase strategies with expected annual sales impact of $100+MDesigned, tested and implemented multiple High Risk Line Decrease / Closure strategies using multiple predictors like negative bureau triggers, score migration etc.Spearheaded multiple invitation to apply for line increase campaigns. Coordinated closely with marketing team to effective using line increase / invitation to apply campaigns as methods of customer engagementToolkits: SAS, VBA, Access, Excel, Powerpoint, CHAID

Member of Existing Customer Management (ECM) - Credit Risk Policy for $14+B Sears Private Label and MasterCard portfolio of Citi Retail Services.Designed, tested and implemented multiple Authorization policies, including over limit authorization pad strategies and delinquent pad strategies - with a total sales benefit of $50+M per yearStrengthened card authorization oversight by completely redesigning the monthly MIS reportDesigned a Risk Appetite Ratio (RAR) Framework for New Accounts in the portfolio. Was used as a pilot for other portfolios in Retail ServicesSpearheaded several other analytics initiatives including Help-Watch-Grow segmentation, Deceased card holder account treatment etc.Toolkits: SAS, VBA, Access, Excel, Powerpoint, CHAID

1. India market entry strategy design for a leading European life insurance player2. Sizing of Indian cash management market as a part of a due diligence piece3. Analysis of the degree of "systemicity" of large global banks on a relative scale through comparison of impact of their failure4. Advised on the global lending strategy of an European bank5. Strategic review of non-life bancassurance opportunity across multiple geographies for a global FS giant6. Credit portfolio model review for a major South-east Asian Bank

Supported in preparation of a preliminary working capital model for an EPC company

Optimisation of algorithm for conversion of MPEG2 video to MPEG4 format