Subhadip Sarkar Email & Phone Number

Toronto, Ontario, Canada

Toronto, Ontario, Canada

Toronto, Canada Area

Disability Claims Integrity Analysis: Investigation & ranking of Multivariate outliers to detect fraud, lack of compliance in disability claims to enable development of outlier & fraud classification model for efficient claims management.Claims Reporting: Data aggregation, cleansing & preparation from multiple source systems & develop dashboards for reporting claims operational metrics

Cleveland/Akron, Ohio Area

KeyBank ( Aug 2017 - Dec 2018)• CCAR Auto Model Development: Development & implementation of CCAR Auto Loan model (PD, PO, and LGD) to forecast monthly loan level loss (gross and net) & balance for active snapshot portfolio. The model utilizes loan performance, origination inputs along with macroeconomic variables for loss & balance estimation• Model Testing & Sensitivity Analysis: Testing of existing CCAR models for extended CECL framework & performing sensitivity analysis on existing model risk parameters and macroeconomic factors to identify parameter boundaries for acceptable model performance

Dallas/Fort Worth Area

SunTrust Banks USA (May 2017-Jul 2017) • Customer Checking Churn Model: Identification of key drivers of checking account churn and customer risk profiling based on customer transaction, interactions & demographics dataSantander Consumer USA (June 2016-Apr 2017)• Auto Loan Loss Forecasting Model: Development of Loan loss forecasting model (PD, PP, LGD) to forecast full lifetime loan level loss (gross and net) & balance from time of origination. The model is based on competing hazard framework and utilizes loan origination inputs along with other macroeconomic variables to estimate the lifetime losses & balance.

Bengaluru Area, India

First Data (Jan 2016 – May 2016) • Credit Risk and Fraud Risk Model Development: Develop application fraud and credit risk model to predict "Fraud Application" risk and "Credit Default" risk during underwriting new merchant customers for a global payment technology solutions company. Developed model helped increase the existing model lift by 45% with 80% of the default rate captured on development data. Citibank (Nov 2014 – Dec 2015) • ROI Estimation: Estimated the Return on Investment (ROI) across various demographic & target segments to determine the impact of various promotional channels using Regression models as well as test-control methodology to help the client improve the return on each dollar spent. • Credit Card Analytics: Understand the key factors responsible for credit card customer acquisition & retention pricing through a thorough analysis of different drivers to help determine the Annual Percentage Rate offered. BBVA (Jul 2013 – Oct 2014) • Real Time Offer Prediction for banks: Developed a multipurpose App for banking customers that harnesses the power of real time predictive algorithms (using advanced statistical models) for relevant offer presentment and empowered decision making. It enables the bank to drive spend on its cards through offers, thus increasing benefits for bank and merchants• Financial Gamification for banks: Used Time series forecasting Models on different benchmark indices to simulate customer returns across investment classes and to conceptualize & build a portfolio allocation & financial education game where gamers (bank customers) are motivated to realize their financial goals through investing in different products of varying risk stature.

Gurgaon, India

• Key Driver Analysis: Conducted strategic market segmentation(using K means and hierarchical clustering) for a top pharmaceutical client based on variation in managed care, physician characteristics, demographics & patient behavior and inferred “Growth Drivers” to help client understand market share behavior & identify opportunity areas based on the statistically significant variables.• Promotion Response Modeling: Analyzed various metrics affecting the sales of a leading brand for a top client, built a promotion response model(multiple linear regression model) and recommended optimized segment level targeting to help the client reduce promotional costs• Cross-Sectional Clustering for strategic market segmentation based on variation in different parameters to help client understand market share behavior in terms of uncontrollable levers, followed by identification of opportunity targets for revenue maximization• Multi-Channel Optimization(Market Mix Modeling): Evaluated multiple promotion and sales force scenarios by conducting multi-channel promotional impact analyses and model simulation for different budget and historical scenarios to help the client determine the optimal promotional mix across channels• Promotion distribution Optimization: Conducted promotional spend optimization using time series analysis & classic inventory theory (optimizes the total profit of providing too many vs. too few) for promotional coupon drops to maximize client profitability, new patient inclusion & to minimize cannibalization of brand demand• Purchase Sequence and Market Basket Analysis: Analyzed the first purchase behavior (in terms of sales, transactions and accounts) and subsequent purchases of customers to help improve the sales and service of the retailer. Deep dive of vintage between the first and second purchase of the customers to understand the need for another Mailer/Statement Message to increase the customer’s engagement with the retailer/store.

New Delhi Area, India

SAP ABAP Consultant• Planning, development and implementation of customized business objects and reports in the ERP system to meet critical gap requirements of the client.• Interface for client interaction and coordination for issue resolution and client team training during system handover• Contributed to whitepapers on latest object development techniques for internal & client training• Coordinated with functional team to understand business process requirements, and analyze feasibility of implementation• Trained new team members on technological skills to facilitate quick resource turn around

Mba, Finance

B.E., Electronics & Tele-Communication

Ssc/Hsc, Mathematics And Statistics, 95%+