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Credit Risk Analytics & Predictive Modeling Resume

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SUMMARY:

14 years in Predictive Modeling and Analytics for Financial Services

TECHNICAL SKILLS

  • Advanced SAS Programming
  • SQL
  • Teradata
  • UNIX
  • R
  • Angoss
  • C
  • MATLAB

PROFESSIONAL EXPERIENCE:

Credit Risk Analytics & Predictive Modeling

Confidential

Responsibilities:

  • Model Development, validation and production implementation of new acquisition, Behavioral & Authorizations, Portfolio models (stress testing, loss forecasting)
  • Segmentation & Strategy development at transaction level scores for dynamic scoring for portfolio management
  • Customer base universe expansion by testing new FICO XD score with Risk based pricing initiatives
  • Analytics for Fraud & AML models implementation, audit and operational support
  • Coordinating with the different data vendors & IT infrastructure teams for streamlining the information flows for credit underwriting purposes.

Credit Risk Scoring and Underwriting

Confidential

Responsibilities:

  • Developed, implemented & managed the Credit Risk scoring and Underwriting systems and New merchant on - boarding process
  • Produced Risk / Marketing Portfolio tracking reports for New Originations, Existing customer (CLI & CLDs) and Collections
  • Developed P&L optimization strategies to increase receivables and minimize the default risk of borrowers, for Pay-day, sub-prime consumer and micro-business loans lender

Confidential

Credit Risk Scoring and Underwriting

Responsibilities:

  • Providing Statistical, Analytical and Quantitative modeling for the Database Marketing and
  • Supported Customer loyalty and Retention teams in development, validation and implementation of campaign management, targeting models for improving the response cross-sell opportunities
  • Developed transaction level credit line strategy for the on-line bidders, and predictive strategy for minimizing the Unpaid Items
  • Supported Customer loyalty and Retention teams in development, validation and implementation of campaign management, targeting models for improving the response cross-sell opportunities
  • Web analytics to measure the effectiveness of the rewards and loyalty efforts, articulate and socialize strategic recommendations based on rigorous data analysis.

Confidential

Credit Risk Scoring and Underwriting

Responsibilities:

  • Credit Scorecard models development of new account acquisition, underwriting, authorizations, credit line management and collections strategies in decision.
  • Credit risk policy implementation for Small Business cards portfolio involving development of KPI reports, model) stability analysis, over-rides analysis, vintage analysis, loss forecasting
  • Analyses for new merchant on-boarding, Partial and full charge backs, collections to minimize the operating losses and to improve the revenues using risk-based pricing.
  • Provided support for Patriot Act and KYC implementation

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