Credit Card risk management

• Drive and Implement data segmentation strategy to assign right line to right customer for personal loan cross sell• Process reengineering for unsecured loan telebinding process• Devise Business strategy to achieve 100% approval rate with 5 minute loan approval• Monitor and control acquisition through control on 6 TTD matrix• Involved in formulating and implementing credit risk policy & process• Continuous policy review/ Data analysis and taking policy action or generating additional business• Identify additional data avenue for segmentation for cross sell opportunity.• As a business analyst, provide business requirement document to Technical team.• Handled As-is and to be activities for understanding the system requirement • Developed test cases & execute system UAT testing • Ongoing liaising with IT, Credit and BIU teams to ensure all policies & processes are implemented smoothly• Handling Gold loan along with personal loan cross sell• Was a part of core project team for the launch Personal loan Loan on Phone process• Data segmentation for personal loan loan on phone process. Devised policy and process for the same.• Setting up process for 5 minute approval with 100% approval rate and benchmarking it against industry• Was instrumental in launch of preferred cash card.• Developed Line assignement strategies & transaction processes for Cash card• Continuous environment monitoring and taking proactive actions• Managed the following projects:o Launch of Personal Loan on phone processo Launch of Preferred cash cardo Increase in CIBIL Hit rate (Lean Project)o Implementation of SFDC V2 – Risk Policy and process implementation in system (Lean Project)o Company categorizationo Dynamic Line assignmento Personal loan reengineering to improve approval rate and reduce TATo Codification of bureau tradelineso Cross sell data segmentation & Line assignment to the customer - Right Line to Right Customer

• Portfolio risk management of consumer loan• Data analysis of consumer loan and taking policy action• Delinquency analysis basis Vintage, 6MOB30+%,POF, Portfolio health, Portfolio Bounce etc• Assess early warning signal and take action• Making process improvement/ enhancement post requirement gathering or sample check• Periodic review/ Audit of system to check policy & process & suggest areas of improvement. • Was a part of the core project team for the launch of lifestyle consumer business• Devised policy for lifestyle finance business• Set up underwriting processes in system for lifestyle finance like furniture etc• Taking pro active policy action when required• Was a part of the core project team for the launch of EMI Card• Developed line assignment strategies for EMI Card basis bureau tradelines and internal details• System & file audit to prevent fraud• Managed the following projects:o Launch of Lifestyle finance i.e furniture, digital etco Launch of EMI Card• To liaise with Dealers for more business and maintain delinquency• To effectively solve problem and manage risk• To prepare sales promotion and sales strategy as per retailers biz plan• Dealer collateral monitoring & maintenance• Continuous dealer Audit to prevent fraud • Developed dealer monitoring mechanism• Provide business requirement document to technical team

• Underwriting of small ticket size unsecured loan• Maintenance of TAT• Maintenance of Approval Rate & delinquency• Minimum documentation approval• Conduct Physical PD at customer residence• Visit consumer durable dealer to get business with minimum delinquency and prevent fraud• Preparing reports and Dashboards so that action can be taken• Continuous suggest areas of improvement/ enhancement