QUALIFICATIONS PROFILE

Creative and versatile Retail Banking / Credit Card Risk senior professional with a proven record of achievement, developing and implementing advanced product management strategies that have impacted key business drivers in Central Banking, Credit Card and Consumer Retail Lending.

 A forward-thinking business leader with excellent communication, leadership, strategic planning skills and the ability to rapidly assimilate and use new technologies in innovative and productive ways.

 Very effective combination of technical expertise and MBA business training in finance supported by key positions in the banking, finance and credit card industries.

 Extensive experience in design, implementation and strategic management of Credit policy

 Successful track record in setting up new Credit Risk / Analytics departments and integrating them.

 Extensive project management / hands-on experience involving SAS, RDBMS (Oracle), etc.

CONSUMER RETAIL LENDING

 Risk Management on retail lending products, credit card and commercial (small business) loans

 Solicitation and direct mail campaign experience to enhance product base.

 Member, Model Control Committee.

Credit Card

 Vast experience in Consumer Credit Risk Management –

• high performance acquisition policy targeted to drive corporate goals

• loss (NCL) targets and portfolio performance management

 Extensive experience in sub prime as well as prime lending.

CENTRAL (RESERVE) BANKING

 Regulatory / bank supervision experience at Reserve Bank of India, Mumbai.

 Expertise in Foreign Direct Investments (FDI) by Transnational Corporations

PROFESSIONAL EXPERIENCE

JP MORGAN Chase 2008 – Present

Group Risk Manager

Responsible for Retail account acquisition policy and portfolio performance strategies.

• Head of credit policy group responsible for acquisition of cards through retail branch network.

• Played a pivotal role in transforming the portfolio into a strategic asset for the Bank. Grew the portfolio taking it from $5 Billion to $9.00 Billion

• Redesigned and implemented in record time new strategy on TU’s Envision acquisition engine.

• Reduced net credit losses (NCL) and enhanced return on equity through the new strategy in a tough economic environment.

• Managed new account acquisition strategies including determining score cutoffs, systemic automation criteria, line assignment criteria and establishing policy guidance for judgmental underwriting.

• Experience in portfolio risk management in expansion as well as contraction environment. Undertaken several bold strategic initiatives to achieve optimal risk reward balance.

• Extensive experience in working with Bank leadership

ZIONS BANK, SALT LAKE CITY, UT 2003 - 2008

Retail Lending Credit Risk Manager

• Head of newly set up Retail Lending Credit Risk Management Department.

• Recognized for superior achievement.

• Responsibilities included setting up the new department, recruitment of highly skilled Risk Management Professionals, recommendation of appropriate technology and analytical solutions

• Quickly had an good handle on product risk drivers and drove down delinquency and losses across retail lending products – Home equity credit lines, Credit Cards, Direct & Indirect Auto finance unsecured lines, and commercial (small business) loans worth over US $ 6 Billion.

• Designed pre-approved solicitations working actively with cross-functional teams & credit bureau.

• Implemented Loss forecasting models (ALLL) that directly impacted capital reserve requirements of the bank.

• Member of Basel II implementation group and Model Control Committee.

Merrick Bank, Salt Lake City, UT 1999-2003

Risk Manager, AVP

Merrick Bank is a Salt Lake City, UT based sub prime issuer of credit cards. Challenged with redefining and managing portfolio analytics to provide senior managers with accurate and predictive risk analysis reports on various metrics.

Worked closely with business managers from other functional units to refine core requirements. Lead a team of five risk analysts, providing guidance and training as needed to further develop skills. Managed ongoing relationships with vendors.

• Several complex reports – including loan loss forecasting (ALLL) - were made available via secure browser using Business Objects.

• Packaged the new portfolio analytical tools and services and presented them to the bank’s parent company as a profitable business venture to be promoted to other entities.

• Performed due diligence analysis on prospective portfolio acquisitions and made recommendations to senior management.

• Built a talented team of MIS professionals and trained them in data processing and analytical reporting. Converted FDR mainframe format files into SAS data sets available for analysts.

RESERVE BANK OF INDIA (RBI), Mumbai, India 1987 –1997

• Ranked fourth RBI’s national selection examination.

• Experience in bank supervision, regulation and compliance;

• Lead the development and support of complex financial transaction and analysis systems.

• Recognized for superior achievement.

EDUCATION & PROFESSIONAL DEVELOPMENT

VIRGINIA POLYTECHNIC INSTITUTE & STATE UNIVERSITY

• MBA (FINANCE) May 1999

MADURAI KAMARAJ UNIVERSITY (INDIA)

• Master of Science (Management MBA) Jun 1985

• Bachelor of Science Mar 1981

BANKING & FINANCE

• Risk Management, Credit Appraisal, Currency & Coinage Management

• Foreign Exchange Management, Central Banking Management

• Credit Scorecard Development and implementation – SAS Institute

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