Designed digital platform to help customers choose the appropriate mortgage product out of 10,000+ options available and reduce mortgage processing and approval time from 90 days to 15 days collaborating with engineering, design and sales team to prepare for product launch.Developed back end systems of customer facing site, CRM & BI/Analytics products Led the cross-functional off-shore team to develop product features, marketing strategies, improve customer experience and promote digital channel growthDeveloped an AI enabled revolutionary robo-assistant product that helps advisors to speed up the mortgage advisory process by up to 5 times.Drove product strategy and defined product roadmap through careful analysis of customer requirements, market and technology trends.Owned and prioritized product and feature roadmap that balances metric movers, customer delights and customer asks which led to a 300% increase in monthly users quarter over quarter.Work closely with the development team, product design and management teams.Built hypotheses and validated them based on data, user surveys, and or by running small experiments quickly.

Led cross-functional team of analysts and assistant managers to develop credit risk rating models for new accounts’ origination, portfolio management and pricing for retail consumers across seven different productsCoordinated with multiple internal teams to implement decision making processesDeveloped Life Time Loss Model used for risk based pricing of HSBC’s US mortgage portfolio which improved the bottom-line by 7% by reducing the loss incurred from risky customers

Developed a customer acquisition model, as part of HSBC’s strategic initiative to grow new-to-bank customer segment for US credit card portfolio via digital channels; increased accounts booking by 5X within a year,

Developed a customer scorecard for account management; increased unsecured consumer lending products by 11%. Led several automation and process optimization initiatives for credit risk model development and monitoring which improved accuracy of deliverables and reduced the turnaround time and cost

Conceptualized and subsequently built an online portal/meal booking platform for Railway/Bus passengers across India called DeliveryUncle that allowed passengers to order food online or through phone from a variety of restaurants at 90 locations across India.Handled software design and development, vendor management, day-to-day operations and client management.

Incentive Compensation Design and Operations for a Top-Tier US Pharmaceutical Client. Headed three client teams in a multi-team project for Design, Implementation, Automation and Operationalization of Sales Force Effectiveness processes. On-boarded and trained a team of newly joined 4 associates.

Project on Characterization of Ultra Fine Grained Interstitial Free Steels

Second Level Interconnection on System Packaging: Worked on highly reliable board-level interconnections between low-CTE packages and printing wiring board-modeling, design, fabrication and reliability.

Mechanical Characterization of Materials on Aero Engines. Project on Fatigue, Fracture and Damage Mechanics: Theory and Applications