Sadhu Cover Letter

This is Venkat sadhu started my career in 2006 as a QA Tester in chase Collections and Security fraud team. This team helped me to understand the basics of collections and fraud processes in cards business. TSYS / c3 is also one of the tools used in this team.

My next role in chase card services is in Risk Credit execution team where I got an opportunity to monitor the risk processes running in Unix environment and take remediation actions if any issue arises. TSYS, Visio, Unix, SAS, and SQL are the major tools and programs used.

My next opportunity in chase is as card pricing UATV team lead. I prepared test scenarios and test plans for different pricing projects which includes card act regulations, Penalty pricing and statement validations. This role helped me to introduce myself to the pricing business team.

I started my role in pricing Business team as a Business process Manager. I managed different business processes like interest charge calculations, payment allocation, min pay calculations, prime rate validations and different fee calculations and validations on sample production accounts. I also involved in postproduction validations of new functionalities. This role helped me to identify around 20 pricing issues which turned out to be major corrections. Once all issues fixed, team successfully passed the internal audits and was ready for external audits. This was a great success for the team. Then moved on to a next role in pricing as a Business data Analytics where I got opportunity to learn SAS and SQL code developing skills. I developed multiple monitoring reports on pricing and lending functionalities. Monthly process reports were developed and summarized the results with management.

Apart from 12 years of chase employee experience and 3 years of contracting roles, I also got short term projects in First citizens Bank and UBS for TSYS Conversion projects.

My recent project is in Credit Data Analytics team, Barclays Bank. I worked with PWC (third party) to review the entire pricing functionality and identified the major gaps and opportunities in card pricing team. Another project is for CFPB proposal on Late fee. Developed pricing strategies and risk mitigation actions for New late fee proposal. Also developed strategies on Fx fee and residual interest charge waivers as part of income generating activities. I also learned the strategies on Risk credit processes like CLD, CLI and Inactive accounts closures etc.

In a whole view, I have always kept myself learning new things and proved my self as a potential go to person. Being Subject matter expert on pricing and risk processes, SAS and SQL are the major technical added skills helped me to perform Data Analytics and Quant Analytics roles.