Lakshmi RB

Experience

• 

  HSBC

  May 2018 - Aug 2021

  • Developed risk grades - a combination of utilisation and behaviour scores to understand pockets of high and low risk for portfolio actions for Sri Lankan market• Developed forbearance risk rating framework which considers bureau, transaction and portfolio level metrics to assess intuitively how risky a customer can be and thereafter undertook punitive line decreases as a part of Covid risk mitigation activities • Developed SAS automation tool for monitoring overlimit transaction and creating standardised reports across 11 Asia Pacific regions • Developed CLI and CLD strategies for Sri Lanka cards portfolio

  • Assistant Manager

    Sept 2020 - Aug 2021

  • Risk Analyst

    May 2018 - Aug 2020
• 

  Standard Chartered

  Aug 2021 - now

  Manager

  • Developed Line increases and decreases strategies for the Malaysian cards portfolio for customers who are less than 6 months on book• Developed acquisition strategy for personal loans and cards • Developed portfolio management actions across all products – Balance Transfer, CLI, CLD, EMI Schemes, Cash on Call, Cash Advance, Cross-Sell, Authorisation and Overlimit

• 

  Indian Institute of Technology, Madras

  Apr 2023 - May 2023

  Research Associate

  • Assisted in designing questionnaire, literature review and proposal writing on climate policy topics such as gendered access to energy, marine plastic pollution and flood insurance • Undertook research on Determinants of Flood Insurance in collaboration with the DART (Data Analytics Risk and Technology) Lab set up with the American Express in partnership with IIT Madras