Member of the IDFC Bank launch team. Established the risk management infrastructure for consumer lending and set up the Risk Analytics function. Supported business launch across multiple products and locations

Member of Executive Management Group (EMG). Enhanced the risk management infrastructure to drive resilient business growth and meet OCC standards as the Bank transitioned to being an OCC regulated entity. Recruited and mentored risk talent to drive superior performance. Enhanced relationships with Mortgage Agency and MI partners to drive efficiencies. Nominated to lead a Business project to redesign and re-launch Home Equity. Managed effectively through an OCC audit. Led through influence in… Show more Member of Executive Management Group (EMG). Enhanced the risk management infrastructure to drive resilient business growth and meet OCC standards as the Bank transitioned to being an OCC regulated entity. Recruited and mentored risk talent to drive superior performance. Enhanced relationships with Mortgage Agency and MI partners to drive efficiencies. Nominated to lead a Business project to redesign and re-launch Home Equity. Managed effectively through an OCC audit. Led through influence in a highly collaborative environment. Show less

Established and directed risk strategy for the home loans & unsecured loans portfolio. Approved baseline credit programs that defined acquisitions, pricing and default management strategies. Led the risk work- stream for mortgage bank integration. Influenced business leaders in a matrixed environment.

Directed the portfolio management and default strategy function. Defined and implemented collateral-based line reduction strategy for HELOCs. Designed and executed proactive loan modification programs targeting high-risk, non-delinquent mortgage customers. Supported growth of home equity business by prudently expanding the retail channel while maintaining loss rates below industry average.

Recruited to build out a robust risk management function for the rapidly growing U.S. Student Loans business. Improved approvals rates and raised origination spreads through redesign and implementation of new originations scorecard used to refine risk-based pricing. Collaborated with the Collections team to transition function from due diligence to a risk-focused, results-oriented organization. Led team to attain satisfactory audit ratings. Developed and mentored credit talent. Designated… Show more Recruited to build out a robust risk management function for the rapidly growing U.S. Student Loans business. Improved approvals rates and raised origination spreads through redesign and implementation of new originations scorecard used to refine risk-based pricing. Collaborated with the Collections team to transition function from due diligence to a risk-focused, results-oriented organization. Led team to attain satisfactory audit ratings. Developed and mentored credit talent. Designated Senior Credit Officer (SCO). Show less