Spearheading the analytics (including advanced analytics and predictive modelling) vertical in all spheres of company's activities, from sourcing, risk assessment, collections, customer journey management, budgetting and strategy formulation.Also head the risk function, covering all dimensions of risk - credit, enterprise and compliance risks

• Providing analytical inputs for sourcing strategies in terms of the optimal segmental mix of customers in terms of geographies, segments and asset-classes• Conceptualized, designed, developed and published Delphi Reports for Mortgages and Auto Loans, giving key strategic inputs and covering the entire life-cycle of the product• Identification of opportunities in loans, so that maximum size is optimized against minimum risk• Helped the Auto Loans team to put in place a differential pricing structure using an optimization model• Forecasting credit losses for the entire retail asset portfolio.• Developing, productionizing and maintaining models for classifying non-delinquent customers into various risk-categories for differential pre-delinquency treatment.• Conceptualizing, designing, developing, productionizing and maintaining analytical models used for deciding on switch product for existing Home Loan customers, as a part of good customer retention.• Aiding top-management assessment of impact of interest-rate hikes on interest-margins, delinquency, etc. through Interest Rate Sensitivity Analysis.• Developed and productionized segmental vintage curves for all retail loan products. Tool is viewed as extremely critical for portfolio management• Set-up, developed, tested and maintained models for rating branches, based on their risk-levels, for most retail asset products• ’Was instrumental in migrating analyses from XL-base to SAS; helped in reducing man-hours for rollout of branch-rating scorecards from 30 to only 3.

• Classification of receivables as per RBI guidelines and identification of Non Performing Assets• Devised and implemented advanced software (working closely with the Technologies group) to extract debt portfolio as per RBI guidelines on asset classification and provisioning.• Analysis of debt portfolio and segregation of positive and vulnerable assets, in order to support senior management in decisions regarding future sanction of loans• Creating control aids and other MIS for senior management• Forecasting the provisioning requirements and NPA levels to assist senior management and ensuring a strong risk management.• Liaising with the Statutory Auditors and RBI Inspectors to receive a positive attestation of the asset classification and provisioning of the receivables portfolio