Highlights:o Successfully designed the bank’s data management approach for use in AIRB model management with particular focus on Data Quality and Data Governance standards o Re-engineered the bank's Credit Account Information Sharing process for monthly bureau reporting which resulted in the reduction in man effort from 7 man days to 2 days o Led the integration of the recent P2P lender acquisition into the Bank's risk data warehouse o Served as the lead representative in developing the bank's new credit risk data infrastructure, employing agile management practices o Acted as the committee chair for credit risk data governance, reporting, and policies in compliance with BCBS 239 standards o Led portfolio data analytics, with a particular focus on mortgage lending, SME, commercial real estate, and trading business segments

Skills:Credit Portfolio Analyst, Credit Risk Data Analyst, Credit Risk Data Governance, Credit Risk Data Infrastructure

Goal:To enter the executive level within credit risk - uunderstanding various facets of consumer and commercial credit risk

Certification:Decision-Making and Scenarios - University of Pennsylvania Modeling Risk and Realities - University of Pennsylvania Fundamentals of Quantitative Modeling - University of Pennsylvania Decentralized Finance (DeFi) Infrastructure - Duke University

AVP - CREDIT RISK DATA & ANALYTICS 09/2017 - 03/2023
Metro Bank, London, United Kingdom
Industry: Retail Banking
Lead representative in developing the bank's new credit risk data infrastructure, employing agile management practices
o Acted as the committee chair for credit risk data governance, reporting, and policies in compliance with BCBS 239 standards o Conducted a Risk Control Self-Assessment (RCSA) for credit risk, focusing on risk identification and controls assessment in accordance with Advanced Internal Ratings-Based (AIRB) requirements o Led the Risk IT infrastructure project to achieve the bank’s AIRB objectives o Oversaw all internal and external risk and regulatory reporting control processes related to credit o Outlined IRB-specific RWA procedures by the Risk Reporting team to ensure accurate and complete risk rating o Collaborated with the portfolio insight and strategy team to design and develop the bank’s risk appetite o Led portfolio data analytics, with a particular focus on mortgage lending, SME, commercial real estate, and trading business segments o Served as the primary liaison for credit risk relationships with the credit bureau, Prudential Regulation Authority (PRA), external data aggregators, risk data partners, and audit teams--
SENIOR CREDIT OFFICER 11/2016 - 04/2017
Elevate Credit International Ltd, London, United Kingdom
Industry: Retail Credit Lending
Senior credit officer in charge of credit portfolio management for the company's Sunny loan lending
o Introduced new proactive credit line optimization program o Identified process gaps in Existing Customer portfolio Management (ECM) process and recommend strategies to improve overall quality of lending and data warehouse structure--
CREDIT PORTFOLIO DATA MANAGER 06/2012 - 08/2016
Citigroup, Mumbai, India
Industry: Consumer Banking
Credit Portfolio Manager for Citi Retail Services' private label card portfolios
o Spearheaded the development and launch of optimization and utilization programs for recurring Credit Card lines, employing advanced Excel Solver techniques o Directed strategic data analytics for Citi’s North American Credit Cards portfolio, encompassing loss projections, integration of new retail partners, management of existing customers, adherence to legal and regulatory standards, and monitoring of vintage delinquencies & losses o Assisted Acquisition teams in identifying, recruiting, and onboarding new retail partners, while also promoting increased card activation o Collaborated with the Institutional Clients Group to successfully execute the packaging, securitization, and bid sales of impaired portfolios--
ASSISTANT CREDIT POLICY MANAGER 06/2006 - 07/2010
Mashreq Bank, Dubai, United Arab Emirates
Industry: Retail Banking
Assistant Policy Manager looking after portfolio management across the entire credit lifecycle for unsecured consumer lending including credit cards, personal loans and overdrafts
o Crafted Credit Card acquisition, balance enhancement, and utilization strategies, leveraging campaign expenditure analysis, competitive benchmarking, and Risk Adjusted Revenue insights o Led initiatives for credit portfolio expansion and debt management, including forbearance strategies, minimizing losses, and optimizing loss provisioning o Oversaw forecasting of credit risk delinquency and losses, making significant analytical contributions to the credit risk reserve forecasting and monitoring processes o Crafting of credit policies for secured and unsecured consumer lending products, and managed their respective portfolios o Established, supervised, and assessed Credit Risk first-line controls, assuming responsibility for the periodic evaluation of said controls o Directed the Retail Credit Policy MIS and Decision Support Analytics team, covering all Retail Banking asset portfolios--
Test Engineer 06/2004 - 03/2006
Infosys Technologies Ltd, Bangalore, Karnataka India
Industry: IT Solutions
Conducted manual and automated testing for Infosys' Cisco Systems offshore web based applications
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Bangalore University 06/2001 - 06/2004
Bangalore, Karnataka, India
Degree: Bachelor's Degree
Major:Computers and Information Systems
I did a Bachelors where I majored in computer applications and computer science including coding in various mid-high level coding languages like microprocessors, C, C++ and Java.

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