• Developed Application, Behaviour, Collection scorecards, and Expected Credit Loss (IFRS9) model for Consumer(unsecured/secured)and MSME loans.• Built 40+ use cases including lifetime value, early & late warning, collection, next-best product, and churn rate.• Identify opportunities for enhancing collections performance, built Early Warning model, Bounce to NPA model, and Recovery Priortisation model.• Designed a real-time recommendation engine to rank 100s of sales leads daily for Lead Priortisation and to offer the ‘first time right’ Interest rate slab to customers using the Pricing Propensity model.• Model monitoring: Predictive Power Using GINI and KS, and Stability using PSI.• Built reason code framework using SHAP, to add explainability of ML models.• Built model monitoring framework and early warning system• Risk consulting and business growth strategy across consumer portfolio and SME(Company/Soleprop/Partners) – Did reject inferencing analysis and consulting to find business growth and risk management opportunities (Swap in /swap out analysis) both for Consumer portfolio and SME, and consistently provided 25/30% lift.