Sumit K. Email & Phone Number

Cyberjaya, Selangor, Malaysia

Kolkata, West Bengal, India

• Collaborated with UK Business partners to deep-dive and analyse HSBC UK and Marks & Spencer (M&S) Bank cards acquisition strategies, monitor portfolio trends to mitigate risks, ensured performance is within risk appetites.• Leveraged data analytics, segmentation, credit bureau data (Experian, Equifax) to streamline the existing policies for UK cards acquisition, proposed new policies to stakeholders which boosted straight through system processing, leading to a reduction in application referrals to underwriters by 5% , c.3000 p.m• Developed International credit decisioning strategy to cater to NTC (new to country) segment by leveraging home country bureau data in collaboration with product and modelling teams, resulting in increase in bookings by c.700 per month.• Designed data visualizations dashboards for tracking key portfolio performance indicators, early warning triggers, enabling the team to make data-driven strategic decisions, aiding in productivity improvement by 20%.• Spearheaded the optimization of acquisition strategies, proposed new segments, leveraged alternate data sources for income verification, debt to income, affordability assessments, resulting in increase in bookings by c.300 p.m. • Led multiple root cause analysis to resolve legacy issues, coordinated with cross-functional teams ensuring issue remediation.• Supported and guided Branch staff, Financial Ombudsman (FOS) complaints team by looking into customer application queries ensuring responsible lending.• Automated multiple SAS codes, excel templates for improved efficiency and re-usability.

Bengaluru, Karnataka, India

• Analyzed and estimated expected credit loss (ECL) - modelled, non-modelled expert judgements adjustments as per IFRS9 framework for multiple retail portfolios under UK HSBC, M&S and First Direct Brands.• Monitored portfolio trends MoM, shared the insights, flagged portfolio performance to senior stakeholders to mitigate risks.• Calculated and shared insights on sensitivity analysis of macroeconomics variables, scenario weight changes on portfolio impacting ECL QoQ.• Calculated adjustments required in ECL to cater to model deficiency/ unaccounted macro economic factors (covid, inflation, war etc.) and proposed methodology for new ECL adjustments required aligned to IFRS9.• Liaised with IMR (model review), external, internal auditors and shared adequate adjustment calculation evidences, portfolio benchmark against other UK lenders as per PRA guidelines to avoid potential regulatory risks.• Streamlined overall process, automated SAS codes and excel templates for minimal manual involvement, increased efficiency by 40%.• Led and mentored a 2 member team ensuring high motivation, top notch delivery in a dynamic environment.• Supported the business in multiple ad-hoc portfolio analysis and data support to modelling teams. Collaborated with cross- functional teams (IT, finance, platform, regional) to resolve system issues.

Bengaluru

• Developed, tested and deployed MENA region (UAE, Oman, Qatar, Bahrain) unsecured retail credit acquisition strategies for incremental portfolio growth, improved STP (straight through processing), digital journeys and customer experience.• Developed machine learning application scorecard, implemented multiple credit risk, regulatory risk policy rules, champion/challenger, initial limit assignment, risk tier pricing, cross sale strategies. Supported new product launches, campaign launch and management.• Aided underwriters to resolve real time customer application queries, enhancing customer experience.• Played a pivotal role in HSBC’s transformation project of decision system migration from PowerCurve to SAS Intelligent decisioning platforms in collaboration with architecture design teams, IT and stakeholders. • Developed utilities in Python which aided in testing and results comparison, reducing overall effort by 40%.• Streamlined AAPS (front end customer details capture form) change request process by creating a new Sharepoint form and associated Nintex workflows for management approval, resulting in better tracking and auditing, eliminating manual entries in trackers, improving process efficiency by 60%.• As SME, mentored team members on efficient usage of various decision system components, improving team delivery efficiency by 20%.

Hyderabad, Telangana, India

• Developed authorizations, overlimit, score card, cross sale, credit limit increase/ decrease, adverse letter, cut off assignment strategies on Experian’s PowerCurve for multiple USA PLCC (private label credit card), DC (dual cards) clients.• Incorporated agile framework in change management process, improved TAT by 30%.• Interacted with multiple US stakeholders for requirements gathering, project planning, scoping, documentation, review and sign off.• Monitored the volume of transactions post change deployment to track any anomalous behavior. • Led multiple credit risk systems infrastructure projects under digital transformation program (disaster recovery, ETL, system migrations) to mitigate risks.• Liaised with IT vendors to add, update new attributes, data models, data dictionaries, business continuity planning.• Streamlined the strategy workflows and code scripts eliminating redundancies and increasing efficiency.• Leveraged SAS for data pull and analysis from multiple data warehouse, automated codes, enhanced overall process, improving team efficiency by 35%. • Revamped testing process and job schedulers resulting in reduction of manual interventions.• Migrated change request management portal from legacy support central system to Sharepoint 2016. Designed interactive front end forms and back end management approval workflows using Nintex workflows.• Played instrumental role in migration of decision system to latest version, tasks included new feature testing, SIT, UAT, unit, batch testing various strategies workflow components.

Gurgaon, India

• Developed cards strategy (policy, limit assignment, fraud, AML rules) on Experian’s Strategy Design Studio for Spain & Portugal markets of a major UK based bank.• Interacted with multiple stakeholders for system change requirements gathering and prioritisation.• Converted business requirements to technical and functional documents for system implementation and audit.• Collaborated with testing and deployment team to ensure change delivered within the stipulated timeframe.

Bachelor Of Technology (B.Tech.), Computer Science & Engineering, Cgpa - 8.15

Hsc, Science With Computer Science, 90%

Ssc, 95%