Commercial Product & Service

Implement capital allocation and stress equity based product pricing tool, by using NPV/IRR and CCAR/CECL results.Evaluate customers life time value and return.Create and implement a novel risk adjusted capital attribution, client profitability and pricing framework for financial products, which improves the business performance and profitability.Analyze portfolio and current business performance, and optimize customer profitability to improve pricing models;Model and implement capital allocation, return on assets, return on RWA, and return on capital/tangible equity at contractual level;Provide stake holders deep insights for actionable items;Model FTP rates and calculations;Collaborate with cross-functional teams, particularly Finance, Risk, Sales and Engineering, and drive initiatives to bridge inefficiencies and generate compounding returns to deployed capital.

• Develope business intellegence model• Build CRM central datamart with migration of various systems including structured and unstructured data• Design UAT strategy• Implement and automate financial reporting processes• Provide solution to financial data analytics

• Created pricing models of financial products and tested CCAR/DFAST models.• Developed customer engagement models, and customer analytics criteria of corporate financial products for one of the major banks by SAS Enterprise Guide, SQL Server, and R.• Provided analytical support to clients' business intelligence and customer relationship teams• Built analytical solutions with data base tools and helped manage project.• Implemented strategy for the development of CRM analytics datamart and UAT.• Served as the initial interviewer for potential new team members prior to passing candidate to final panel interview.

• Assisted in the design and development of statistical and non-linear dynamic system models.• Built simulations and backtest analysis to forecast impact of model updates and economic scenarios on asset servicing models.• Leveraged analytics toolkit to derive insight on portfolio trends and borrower behavior.