At American Express, I lead acquisition credit risk strategy across 10+ international markets, supporting controlled growth of annual acquisitions. I launched risk score models across Consumer and Commercial portfolios in four markets, delivering $5M+ in additional profit and 10K+ incremental annual acquisitions.
I also rebuilt 100+ rules and variables as part of a legacy credit risk decision platform migration, automating bureau integration and decision logic. The project was delivered three months ahead of timeline after 10+ testing rounds.
In the US Responsible Lending Action Team, I automated the financial gathering journey for high-balance corporate and commercial clients, removing 15+ manual steps. I also launched internal risk scores and refined thresholds, lifting default rate capture by 12%.
Earlier, at ICICI Bank Limited, I developed data-driven marketing strategies that increased credit and debit card uptake and cross-selling by 10% year over year. My work has also included credit strategy testing, portfolio diagnostics, risk governance, and audit readiness.
