Experience

MPOWER Financing

• United States
• Financial Services
• 100 - 200 Employee

• Credit Policy Manager

  • Aug 2023 - Present

  Bengaluru, Karnataka, India



Credit Saison India

• India
• Financial Services
• 400 - 500 Employee

• Credit Risk Manager

  • Jul 2022 - Aug 2023

  Bengaluru, Karnataka, India



Groww, India

• India
• Financial Services
• 700 & Above Employee

• Manager - Credit Risk Analytics

  • Jul 2021 - Jul 2022

  Bengaluru, Karnataka, India



Standard Chartered Bank

• Singapore
• Financial Services
• 100 - 200 Employee

• Manager

  • Aug 2019 - Jul 2021

  Bengaluru Area, India As a part of CRM Policy Analytics team, I have worked/working on - Working on various CRM projects for all the African markets Working on Machine Learning POC projects for multiple markets and products Working on the evaluation of various tools such as DataRobot, KnowledgeStudio, to be used in CRM policy analytics Worked on improving existing models, for various products, strategies, and countries, using Machine Learning methodologies Worked on creating Risk Decision… Show more As a part of CRM Policy Analytics team, I have worked/working on - Working on various CRM projects for all the African markets Working on Machine Learning POC projects for multiple markets and products Working on the evaluation of various tools such as DataRobot, KnowledgeStudio, to be used in CRM policy analytics Worked on improving existing models, for various products, strategies, and countries, using Machine Learning methodologies Worked on creating Risk Decision Framework for Vietnam PL portfolio Created CC MIS for Vietnam and transferred ownership to the country team Worked in one-off projects around performing Stress Tests for Wealth Management portfolio Worked on Loan Impairment Charge off calculations for multiple markets

• Associate Manager

  • Sep 2017 - Aug 2019

  Bangalore As a part of CRM Policy Analytics team, I have worked/working on - Working on various CRM projects for all the Africa markets Working on Machine Learning POC projects for multiple markets and products Working on the evaluation of various tools such as DataRobot, KnowledgeStudio, to be used in CRM policy analytics Worked on improving existing models, for various products, strategies, and countries, using Machine Learning methodologies Worked on creating Risk Decision Framework… Show more As a part of CRM Policy Analytics team, I have worked/working on - Working on various CRM projects for all the Africa markets Working on Machine Learning POC projects for multiple markets and products Working on the evaluation of various tools such as DataRobot, KnowledgeStudio, to be used in CRM policy analytics Worked on improving existing models, for various products, strategies, and countries, using Machine Learning methodologies Worked on creating Risk Decision Framework for Vietnam PL portfolio Created CC MIS for Vietnam and transferred ownership to the country team Worked in one-off projects around performing Stress Tests for Wealth Management portfolio Worked on Loan Impairment Charge off calculations for multiple markets



SkilledRoots.com

• Administrator and Writer

  • Jul 2017 - Jul 2021

  Bengaluru Area, India I have been working on a website of my own, where I share the knowledge I have gained through work, training & participation in various competitions



Goldman Sachs

• United States
• Financial Services
• 700 & Above Employee

• Analyst

  • Jul 2017 - Aug 2017

  Bengaluru Area, India Working with Realty Management Division in Trade Analytics



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Assistant Manager - Credit Risk Strategy

  • Mar 2017 - Jul 2017

  Bengaluru Area, India Worked with Credit Risk Strategy team for US Mortgage portfolio. My responsibilities included - Deciding upon rules for accepting and rejecting mortgage loan applications Forecasting Life Time Losses for all the accounts having Mortgage Loans Providing inputs for Risk Based Pricing, in the form of loss rates and segment specific overlays Strategy formulation for new origination segments or products Analysis on how changes in Macroeconomic scenarios affect Mortgage… Show more Worked with Credit Risk Strategy team for US Mortgage portfolio. My responsibilities included - Deciding upon rules for accepting and rejecting mortgage loan applications Forecasting Life Time Losses for all the accounts having Mortgage Loans Providing inputs for Risk Based Pricing, in the form of loss rates and segment specific overlays Strategy formulation for new origination segments or products Analysis on how changes in Macroeconomic scenarios affect Mortgage book Forecasting Repurchase Losses for the loans(SFO) sold to investors Providing the CCAR,DFAST & PRA stressed reserve for the Repurchase Losses Awarded ‘Team Star’ and ‘Leading Light’ for various projects

• Analyst

  • Apr 2015 - Feb 2017

  Bengaluru Area, India Worked with Credit Risk Strategy team for US Mortgage portfolio. My responsibilities included - Deciding upon rules for accepting and rejecting mortgage loan applications Forecasting Life Time Losses for all the accounts having Mortgage Loans Providing inputs for Risk Based Pricing, in the form of loss rates and segment specific overlays Strategy formulation for new origination segments or products Analysis on how changes in Macroeconomic scenarios affect Mortgage… Show more Worked with Credit Risk Strategy team for US Mortgage portfolio. My responsibilities included - Deciding upon rules for accepting and rejecting mortgage loan applications Forecasting Life Time Losses for all the accounts having Mortgage Loans Providing inputs for Risk Based Pricing, in the form of loss rates and segment specific overlays Strategy formulation for new origination segments or products Analysis on how changes in Macroeconomic scenarios affect Mortgage book Forecasting Repurchase Losses for the loans(SFO) sold to investors Providing the CCAR,DFAST & PRA stressed reserve for the Repurchase Losses Awarded ‘Team Star’ and ‘Leading Light’ for various projects



Endeavor Careers

• India
• Higher Education
• 100 - 200 Employee

• Summer Intern

  • Apr 2014 - May 2014

  Ahmedabad Area, India Business Development - Franchise Acquistion



Freelance

• Egypt
• Human Resources
• 1 - 100 Employee

• Freelance Data Analyst

  • May 2012 - Sep 2013

  I worked as a freelance data analyst.



Cognizant Technology Solutions

• India
• Consumer Services

• Campus Ambassador

  • 2011 - 2012

  Promoted CTS as a brand in our college.



Persistent Systems

• India
• IT Services and IT Consulting
• 700 & Above Employee

• Project Trainee

  • May 2011 - Jul 2011

  Nagpur Area, India Worked on a project to develop a dictionary app to be integrated with various applications that run on windows.