Experience

• 

  Genpact llc

  Feb 2005 - Feb 2008

  Business analyst

  I was responsible for the effective development and delivery of analytical dashboards and quarterly reporting packages for a variety of clients in order to facilitate evaluation of executive performance and customer satisfaction levels.

• 

  Citibank india

  Jun 2008 - Oct 2010

  Assistant manager

  At this time I was responsible for providing analytical data support to a number of key initiatives through the effective management of 2 direct reports, accurate requirements gathering and stakeholder management.

• 

  Deloitte

  Nov 2010 - Sept 2011

  Senior consultant

  While working for the largest professional services network in the world I was responsible for managing the performance of 2 direct reports to ensure the delivery of high quality services as well as managing a variety of small to medium size project assignments within strict deadlines and budget

• 

  Citi

  Sept 2011 - now

  Head of Partnership Cards and Loans Risk• Responsible for diverse credit policy actions across all the functions of the credit cycle including product planning, acquisitions, portfolio management, collections policies, including interactions with Independent Risk, Partners, Technology, and Credit Bureaus etc. • Design new product and policies which would transform the business- develop P&L for each new partnership initiative and ensure tracking against pro forma P&Ls• Build and implement non scoring models • Work with Modelling specialists for developing new score cards for each partner• Lead risk technology transformation projects • Manage interface with all credit bureau and ensure bureau data is accurate for each partnership program.• Responsible for the stress test deliverables of Unsecured portfolios• Responsible for managing audit reviews, both Internal Audit and FCR (Fundamental credit review)• Review new product proposals from Credit Risk perspective Show less • Responsible for managing Collections oversight and Hardship approvals requiring Risk consent.• Review Credit deals requiring Risk consents with a view to enhance existing credit policies.• Responsible for publishing the Mortgages Risk appetite dashboard on a quarterly basis to Senior Management.• Prepare the required analysis and documentation for the concerns raised by Regulators and Senior Management on Mortgages portfolio.• Identify any deterioration in key segments within the portfolio and propose the corrective actions (establish caps, changes to credit policy) to Head of Mortgages Risk. • Work in partnership with key stakeholders across the Product, Finance, Decision Management, Credit Operations and Collections to facilitate the achievement of financial and franchise targets. • Manage the team to ensure the timely delivery of portfolio analytics and risk reporting required to monitor the portfolio and optimize/enhance the existing credit policies.• Responsible for the management and oversight of Mortgages Data assets and ensure that high quality data is available for all Portfolio reporting and Analytics.• Responsible for guiding the model developers in building effective loss forecast models and evaluating the model effectiveness.• Responsible for managing the mortgages system and data related projects.• Successfully managed the Mortgages Risk deliverables for Stress-test submissions (Both Local and Global regulatory Stress tests)for the last 5 years. Show less

  • Director

    Jan 2024 - now

  • Senior Vice President

    Feb 2019 - Jan 2024

  • Vice President

    Jul 2012 - Jan 2019

  • Head of MIS and Reporting

    Sept 2011 - Jul 2012