SUMMARY:

• A results - oriented credit risk professional, with extensive experience in modeling, credit scoring, portfolio forecasting and stress testing, data mining, software development, SAS programming, statistical analysis, risk and response analytics, and new product forecasting.
• Identifies custom and generic analytic solutions across all consumer products to maximize financial returns and mitigate losses.
• A technically-oriented performer, with extensive managerial and customer-facing experience in solving complex problems.
• Build teams and encourages diverse feedback in complex situations to identify best solutions and achieve long-term goals.
• Maintain high ethical standards.
• Risk Review Analysis, Credit Risk Analysis, Business Intelligence, Process re-engineering
• Decision Science Credit Risk Analytics, Predictive modeling, Stress testing and Statistical &
• Remedial Risk Management (Collection & Recovery Strategy) and Organizational Communication
• Executive-level write-ups, risk review presentations on credit risk performance

SOFTWARE SKILLS:

MS Office Suit (Advance Level), VBA, MS SQL server studio Management, MS Project Management

SAS/Base, SAS/Proc SQL, SAS/Macro Programing, SAS/Enterprise Guide

Hands on experience with software like . Symbols, CTL TSYS, CAMS, Middleware and Fiserv.

PROFESSIONAL EXPERIENCE:

Confidential

Researcher and Consultant

Responsibilities:

• Conduct short-duration, fast track online courses in very small groups, on various topics and applications like MS Excel, VB macros, MS SQL, SPSS and SAS.
• Provided consultancy and help post-graduate students with advanced statistical course, with design, analysis of data dissertation.
• Evaluates credit risk structures and recommends enhancements to improve an existing credit transaction.
• Credit strategy and portfolio management
• Helping client define its risk appetite for credit underwriting.
• Devising decision criteria to yield profitable growth in consumer-lending business.
• Transforming portfolio-level credit guidelines into actionable loan policy.
• Optimizing the design of a bank’s credit-portfolio-management unit
• Consumer Credit processes
• Helping client with an end-to-end redesign of credit processes for Consumer and retail segments.
• Develop best-practice capabilities for Consumer underwriting by improving processes and creating advanced statistical models.
• Loss mitigation
• Develop behavioral segmentation and developing differentiated recovery strategies to maximize recoveries on loans
• “ring-fencing,” evaluating, and preparing the sale of large nonperforming loan (NPL) portfolios.
• Advanced analytics for consumer credit products
• Provide deep analytical insights to understand the value and risks associated with the credit portfolio, as well as to respond to market fluctuations and regulatory requests (for example, stress testing).
• Develop specialized models that can be applied either to individual loans or portfolios.

Confidential

Financial Services Representative

Responsibilities:

• Financial Services Representative are responsible for offering and selling financial products and services (i.e. Debit/ Credit Cards, CD's IRA's, Loans) to both consumer and small business customers.
• Establish, develop, retain, and deepen long-term relationships with current and potential customers in the community.
• Meet sales and customer delight goals by proactively meeting and greeting customers quickly identifying needs as they enter the branch. Providing a positive account experience, assessing customer needs, recommending appropriate products and following bank protocols to ensure compliance with bank rules and regulations.
• Support/ coach other sales associates to discover sales opportunities among both existing and potential customers.
• Reach out to the Business Customers and actively participate in Chamber events to ensure ongoing communication for any possible referrals with existing and prospect clients.

Confidential

Senior Policy Manager

Responsibilities:

• Developed and managed Credit policy and credit related procedures leading to credit exposure and ensured risk management and international best practices.
• Developed Internal Risk rating and score card.
• Controlled environment and compliance in accordance with Banking Securities laws, regulations, Basel-II frame work, and bank’s internal policies.
• Assessed of credit risk of consumer loan products through multivariate SAS logistic regression modeling of credit risk factors and payment trends.
• Monitored, tested and assessed auditable entities.
• Worked with marketing and decision management teams on key aspects of line management program such as determining the optimal eligible universe, setting score cut-off and extending risk based line extensions.
• Facilitated joint meetings with stakeholders and technology team and expedite system development lifecycle (SDLC) by ironing out issues and concerns early in the requirements-gathering phase.
• Developed and analyzed PD, LGD & EAD statistical data for stress testing using SAS and implemented remedial action on portfolio level if needed.
• Monitored 30+ delinquencies, NCL and NPL risk appetite base and trigger curves on portfolio.
• Presented credit proposal and other related bench marks pertaining to credit risk management policies.
• Reviewed market intelligence to ensure that the credit policy is competitive and superior in the market.
• Developed and guided associates for leadership roles. Coached and mentored credit processors and underwriters for effective implementation of credit policies.
• Developed and implement the internal credit risk rating score card,
• Revamping the consumer collection process.

Confidential

Senior Credit Analyst

Responsibilities:

• Reviewed, Analyzed and effectively acted on organizational and financial data to optimize retention rate, repayment rate, loan success, team growth, customer satisfaction and protect against losses.
• Responsible to ensure policy and compliance guidelines on all applications and report to management on any fraudulent or high risk aspects.
• Monitored and Conducted full credit underwriting including assessment of merchant risk.
• Translated complex quantitative information into presentations that are easily understood by general management and top executives.
• Created a culture of risk-management excellence and leadership by providing constant coaching, feedback, and skills development training.

Confidential

Credit Analyst

Responsibilities:

• Performed all credit checks for loan applications
• Provided timely and valuable feedback to management on any negative trend observation.
• Implemented effective controls in loan origination process.
• Liaison to Appraisal & Legal Department.
• Involved in policy related concerns and identification of policy matters and suggestions on highlighted issues and provided support to Unit Heads in managing their functionality related problems above normal responsibilities.
• Led the preparation of "Product Programs", Credit Manuals Home Loan & Business Running Finance

Confidential

Credit Analyst

Responsibilities:

• Performed all credit checks for loan applications.
• Provided timely and valuable feedback to management on any negative trend observation.
• Implemented effective controls in loan origination process.
• Led the preparation of "Product Programs", Auto Credit Manuals

Confidential

MIS & Collection Supervisor

Responsibilities:

• Designed highly progressive collection MIS that allows top management to take bank’s pulse and react faster on the delinquent account.
• Build dynamic pivot table and chart using VBA.
• Conducted analysis on the delinquency flows (forward & backward flows).
• Prepared productivity and effectiveness report of collectors.
• Prepared a capacity evaluation and compensation plan for collection officers and their supervisor.
• Updated MIS of write-off, deceased and reversal cases.
• Presented all the MIS during Internal and External Audit.
• Evaluated internal controls and analyzed results of audit tests to determine compliance with Banks’s internal policies and regulatory requirements. Accurately assessed the impact of significant findings and made meaningful recommendations for resolution.
• Managed Mid-range collection bucket of 30 & 60 DPD credit card collections team.