Experience

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  TF Cricket USA LLC

  • Greater Minneapolis-St. Paul Area

  • Founder and CEO

    • Apr 2016 - Present
    • Greater Minneapolis-St. Paul Area

    - Developed and managed 10+ acres "All Natural Turf" cricket pitches and sports complex.- Hosted premier T20 Men's hard ball Cricket League - Hosted National Boys U-16 hard ball cricket tournament- Developed and hosted Youth Cricket Academy and Camps. Situated in the beautiful Minnesota prairie town of Belle Plaine, TF CRICKET is a first of its kind premier cricket ground in the region. Come enjoy the picturesque scenery, as a player or a spectator on our 100% natural turf grounds. We cater to a variety of interests. Professional teams can book games or tournaments with us and feel the difference of our facility. Kids looking for Youth Cricket Camps can learn how to play the game from professional coaches. Players, families and individuals come join the fun for something new and different. Relax and watch a game on our Schedule, sign up for Pick-up Play or book one of our Batting Cages in our fun filled atmosphere. All skill levels are welcome, from first time to professionals.Our location next to Hwy 169, provides easy access from the Twin Cities metro area.

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  Bluestem Brands, Inc.

  • Eden Prairie, Minnesota

  • EVP, Chief Credit Officer

    • Apr 2008 - Mar 2016
    • Eden Prairie, Minnesota

    - Executive Officer responsible for Risk Management of all consumer brands. - Grew Bluestem Brands from $400 million to $2 Billion in revenue.- Developed and launched pioneer lending products for sub-prime customers.- Built and managed Risk Management leadership and function for company.

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  GE Capital

  • Vice President, Decision Sciences

    • 2006 - 2008

    Responsible for leading and developing enterprise Risk/Collections and Lifecycle Marketing strategy for GE Money. Scope of responsibility includes GE Money portfolio of $40B+ across US & Canada PLCC/Bankcard, US Dealer based Sales Finance & Personal Loans & Latin America portfolios (Mexico Retail Card Products, Central America Retail Bank Partner JVs, Argentina/Brazil PLCC & Bankcards) and manage customer lifecycle from acquisition to collections and recoveries. Managed team of 80+ Risk/Collections and Marketing professionals across geographically diverse locations in Stamford, Atlanta, Kettering/Mason, Mexico City, Bangalore/Hyderabad/Delhi, India. Key Accomplishments • Established credibility of Decision Sciences with CEO & Business Leaders. Delivered $50MM NI to GE Money bottom-line through advanced customer analytics, enhanced segmentation, and best-in-class CRM/Bureau infrastructure.• Provided thought/change leadership and demonstrated analytical and execution excellence to eliminate $400MM+ High Risk Exposure across GE Money PLCC/Bankcards, Sales Finance and Personal Finance products driving $20+MM in loss avoidance.• Drove Business Innovation through optimization tools (Marketswitch) and proprietary “Customer Modeling & Analytics Platform” to successfully maximize and integrate 40+ Risk and Marketing Credit Line Increase and Balance Transfer programs driving $700MM incremental sales. Launched Collections “Willingness/Capacity” models and elevated Collections Analytics and Segmentation on stressed customers driving $5+MM expense reduction.• Launched and lead successful large offshore 120+Marketing/Risk/Collections Analytics Center of Excellence in Hyderabad/Bangalore India

  • Vice President , Enterprise Risk Strategy

    • 2004 - 2006

    Responsible for developing enterprise Risk Lifecycle Strategy & Policy for consumer finance products across US, Canada & Latin America (Mexico, Central Americas, Argentina, Brazil). Scope includes Risk Management and Controls on $1B+ in losses across PLCC/Bankcard, Dealer based Sales Finance, Personal Loans, Auto and Mortgage Loans. Develop New Account Underwriting/Credit Line/Pricing Assignments, Account Management (Proactive Line Management via Increase and Decrease Programs and Risk Based Pricing) and Collections Treatment Strategy. Manage Enterprise Champion Challenger and Best Practice framework across customer lifecycle and product. Provide Risk oversight on all new deals for GE Money. Managed a team of 40+ Risk professionals across geographically diverse locations in Stamford, Atlanta, Kettering/Mason, Bangalore/Delhi, India. Impacted $20MM in loss avoidance.Key Accomplishments • Cultural Transformation: Drove “360 Customer View” credit lifecycle underwriting by linking all GE Money financial Product/P&L relationships at a customer level and eliminated $100MM High Risk Exposure. Team awarded prestigious GE Edison Award for business innovation.• Maximize Profitability: Developed and implemented “Customer Profitability” focus across-account lifecycle strategy through components of profit models/segments and aligning risk and marketing functions across Acquisition Underwriting, Credit Line Increase and Lifecycle Marketing programs. Generated $500MM incremental profitable sales for GE Money. • Developed and managed strategy for “Road to Credit” program for Unbanked/no-CB for 5 PLCC programs. • Analytic Excellence: Developed and executed across several Risk and Marketing programs for Latin America and Retail Bank Partner JVs (BAC, Colpatria) driving $2MM NI- Profit Based Bankcard/PLCC CLIPs for Colpatria/Mexico, Argentina, Pricing Strategy for Mexico Sales Finance and PLCC, BAC Cards Behavior and Attitudinal Segmentation

  • Vice President, Credit Scoring and Modeling

    • 2002 - 2004

    Developed and managed US/Canada/Latin America PLCC/Bankcard/Personal Loan Risk, Fraud and Collection Scores. Responsible for monitoring credit quality of New Accounts and Existing Accounts and provide strategy recommendations to CEO and CRO. Represent GE on regulatory audits (OTS/FDIC) and New Deals. Manage all Scoring Vendor/Process (Collection Austin Logistic Score, FICO/FDR Fraud Transaction Fraud Score, FICO ACS Behavior Scoring, Credit Bureau High Risk Trigger Scoring) for the business. Managed a team of 20+ Modeling professionals across geographically diverse locations in Stamford, Mason, Bangalore/Delhi, India and drove $10MM in loss avoidance.Key Accomplishments • Cultural Transformation: Built modeling team from ground up and created controllership and IP creation/preservation for GE. Went from 100% outsourced solution to a balanced captive and outsourced solution. Elevated the strategic significance of modeling and scoring and awareness with CEO and Senior Management. • Analytic Excellence: Developed and implemented PLCC/Bankcard Tri-Bureau custom score for Point of Sale (POS) and Direct Mail origination. Scope of Project included 14 segmented scorecards, POS implementation and strategy cutoff alignments across 40+ PLCC portfolios generating 600MM in incremental annual sales and 10MM NI. Built 50+ account management customer behavior (Spend, Revolve, Attrition) and collections scores and integrated within lifecycle risk and marketing strategy driving 5+MM NI• Analytic Toolkit: Elevated enterprise modeling standard by buying and integrating FICO Model Builder/Decision Tree/Strategy Science across multiple sites in US & India.

  • Senior Credit Risk Manager

    • 1997 - 2002

    Responsible for developing Risk & Collection strategy and segmentation for Consumer & Small Business Private Label Retail Cards. Developed and managed GE Custom automated Point of Sale (POS) New Account Origination/ Transaction Platforms (GE/Experian Strategy Manager, GE/FDR ACS & GE Falcon), Billing Scoring/Credit Line Management & Collections Platforms (CACSPlus, Strategy Manager/ACS) for 50+ PLCC Clients. Managed team of 10+ Risk/Collections professionals across US & India. Key Accomplishments • Innovation: Lead a cross-functional 50+ team of professional across Risk, Marketing, IT and Sales Operation to develop and implement proprietary GE Point of Sale & Billing Decision Platforms. Created competitive advantage for GE by being first in industry to develop and apply Real Time Scoring based Sales Decision through Experian Strategy Manager.• Lead/Managed a cross functional team to develop and implement credit lines for 5MM Oil & Gas PLCC portfolio accounts (Exxon Mobil). Contribute $2MM to GE & Client bottom-line. Performed hands-on project management including Analytic Segmentation & Line Assignment, Client presentation and negotiations, Customer Service Training and IT integration.• Analytic Excellence: Developed Credit Trigger based Scoring driving 2MM in loss avoidance.• Developed and implemented POS Fraud Detection/Authentication (Lexus-Nexus Riskwise) for all Consumer Accounts driving 10MM in fraud loss avoidance.• Developed and implemented Small Business Collections Platform (CACsPlus).

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  American Express

  • New York, NY

  • Senior Analyst, Consumer Lending

    • 1994 - 1997
    • New York, NY

    Responsible for developing and managing American Express Consumer Card Optima and Sign & Travel Portfolio Diagnostics. Developed and managed card Balance Transfer Campaigns including Balance Response Models for various Rate and Length of Promotions and NPV framework for all Marketing Cells. Developed Point of Sale CHAID Segmentation and Over-limit Optimization algorithm for Optima Card program.

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  City of New York, Office of Management & Budget (OMB)

  • New York, NY

  • Financial Analyst, Operations Reseach Group

    • 1991 - 1994
    • New York, NY

    Developed and implemented cost reduction programs for NY City agencies. Conducted analysis and developed mathematical models using Operations Research Techniques to derive solutions for complex operational problems such as Dept of Corrections & Sanitation Staffing, NYPD 911 Call Operations EFT Shift Scheduling and Sequencing, Forecasting NY City Homeless Population and Housing Planning. Awarded “Operations Research Society of America (ORSA) Award for application of OR techniques in improving Government productivity. Reduced NY City Budget by $10MM.