Responsible for 10 Major US and International Banks. Developed methodologies for scenario-based forecasting solutions for major retail lenders. Helped his clients quantify the impacts of the economy on their business with transparent solutions for forecasting and stress testing. Worked on several customer projects, some examples are:• Forecasting Delinquency & Losses• Portfolio Stress Testing• Revenue & Profit Projections• Collections & Recovery Predictions• Capital Reserves Planning• Origination Strategy Analysis Results: Assist major banks with an innovative approach to robust scenario-based forecasting that gives managers the best chance of understanding the possible futures for their portfolio under different conditions and under different marketing strategies. This discipline pays off in designing new products, more accurate forecasts, knowing how to respond to a crisis, and setting appropriate goals and expectations.

Built and led joint efforts for development, go to market, marketing and sales and worked on consulting projects for the following products:• Decision Optimizer: FICO Decision Optimizer is the software tool FICO's modeling teams use to deliver custom optimization solutions. It handles complex large-scale optimizations involving dozens of networked action-effect models, and enables exploration and simulation of many optimized scenarios along an "efficient frontier" of options. • Xpress-MP: FICO Xpress Optimization Suite enables operational research professionals, analysts and consultants to find the best strategies for achieving a maximum or minimum outcome under certain constraints. It mathematically identifies the most advantageous operating points under whatever challenges an organization faces.• Retail Action Manager: FICO Retail Action Manager is a marketing decision application that predicts individual customer sales propensities across multiple products over time, maximizing the effectiveness of sales, merchandising and promotional efforts. Retail Action Manager uses Best Next Action™ predictive analytics to make smarter customer predictions, and optimization to recommend the immediate actions that will meet longer-term sales, marketing and merchandising objectives. • FICO Custom Decision Optimization : FICO Custom Decision Optimization is a framework for optimizing decisions about where to offer credit line increases, how to price insurance policy renewals or personal loans, how to target marketing offers or how to best use store shelf space. FICO CDO help to pinpoint the answers that will raise business performance.

Member of the Research team (Head of Analytics and Optimization Division) While at FICO worked and managed more than 25 projects in the following areas. Here are a few examples: • Originations: Develop an analytic framework for optimization originations decisions for major bank. Results: 45% profit lift over the life of loan, maintain loan and acceptance rates.• Credit Line Management: Developed Credit Line Management Methodology. Results: $12.36 increased profit per account within limited exposure and loss.• Fraud Rule Development: Improved Fraud Rules Development for reducing fraud for major US Bank. Results: Approved $13.5 million more transactions per billion while holding fraud losses to baseline. • Shelf Space Optimization: Developed and Implemented Shelf Space Optimization tools for Target Corp. Results: Automated Shelf space optimization methodology that is used by more than 200 agents. • Collections Methodology: Developed Collections Methodology for major US Bank. Results $2.4 million loss saved per year per million accounts• Marketing Optimization: Sold Retail Action Manager to SAMS Club and Best Buy and developed the optimization framework for RAM product. Results: Increase in coupon-conversion rates, increase store sales and online sales.• Insurance policy renewals: Developed Insurance policy renewal methodology for top US Insurance. Results: Developed rules and automated policy renewals.

Dash Optimization developed and marketed Xpress MP. AV was responsible for all Xpress Sales in North and South Americas and also business development for around the world. AV worked closely with OEMs/ISVs in developing optimization solutions and signed more than 100 partnership agreements with OEM/ISVs. Xpress MP has been sold to 95% of the oil refineries around the world for planning and scheduling, either as a stand alone product or embedded in Supply Chain Applications. Xpress-MP was sold to more than 10 different vertical markets such as Retail, Finance, Banking, Insurance, Transportation, Logistics, Airlines etc..He also did consulting work with Fortune 500 companies in the areas of Process Industries, Supply Chain, Logistics, finance, marketing optimization, data mining, retail optimization, procurement and decision analytics.