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Work Background
Digital Path Consultancy and Innovation Services Pte. Ltd.Founder and Director
Oct. 2022Singapore
Experian Singapore Pte LtdPrincipal Business Consultant
Mar. 2019 - Jul. 2022SingaporeExperian is a leading global information services company, providing data and analytical tools to our clients around the world. Business review, initiatives recommendation and roadmap creation for retail lending and SME products for SEA clients
• Creating business and credit risk strategies e.g., risk-based pricing, cross-sell, limit increase and decrease upsell strategies, A-score cut off strategy, limit assignment strategy, Early warning strategies etc
• Designing digital onboarding platform for retail lending products through implementation of automated credit decision engine
• Identify gaps vis a vis best practices through detailed business review and advising on short-, medium- and long-term initiatives needed to overcome the shortcomings. Prepare roadmap for business transformation.
• Pitching to clients (Including C level) for new projects with pre-sales and sales
• Mentoring and training teammates for continuous improvement of consulting quality Accomplishments
• Designing and implementing collection strategy. Developing techniques and procedures for front-end, mid-range and hard-core collections. Reviewing collections strategy regularly. Have appointed and managed Collection agencies in earlier role. Job involved managing collectors’ productivity on a continuous basis and assuring the quality of collections and meeting budgeted NCL numbers.
• Delivering consultancy services into Vietnam, Indonesia, Thailand, Philippines, and Singapore markets. • Implemented automated credit decisioning for markets in Vietnam and Thailand.
• Have implemented automated credit decisioning in earlier role for Hong Kong, Indonesia, India, and Singapore.
Standard Chartered BankSenior Manager Digital Programs - Real Time Onboarding
Mar. 2010 - Mar. 2019SingaporeStandard Chartered Bank in Singapore is part of a leading international banking group, with a presence in 59 of the world’s most dynamic markets for more than 160 years and serving clients in a further 83 Product owner for Automated Credit Decisioning (ACD) helping in Business Requirement development and specifications elaboration during development
• Planned and Managed User Acceptance Testing (UAT) • Regulatory Submissions OF Forbearance and FDSF reports to Prudential Regulatory Authority (PRA) and automation of FDSF reporting • Development & implementation of group standards for automated credit decisioning including risk-based pricing. The role covered all major consumer banking products like Credit Cards, Personal Loans and Mortgage loans. Accomplishments
• Implemented group standards for SMG3 in major markets like Hong Kong and Indonesia.
• Implemented Risk Based Pricing for complex mortgage loan product in Hong Kong.
Habib Bank AG Zurich2nd VP & Head of Unsecured Risk,Consumer Banking
Jun. 2008 - Oct. 2009Responsible for managing credit risk for unsecured (Credit card and personal loan) products
Barclays Bank PLCHead - Post Acquisition Policy, Cards
Jan. 2007 - Dec. 2008
Standard Chartered Bank, IndiaManager - Cards Policy
Jan. 2005 - Dec. 2007Bengaluru, Karnataka, India
ABN AMROManager, Underwriting and verification Quality
Jan. 2003 - Dec. 2005Noida, Uttar Pradesh, India
Standard Chartered BankCollections Manager
Oct. 1998 - Sep. 2003Pune, Maharashtra, India
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