Senior Credit Risk Analytics Manager, VP

Shraddha Tyagi

Stamford, CT • 203-***-**** • *************@*****.***

WORK EXPERIENCE

Citizens Financial Group Inc., Shelton CT 2013 - Present Senior Credit Risk Analytics Manager, VP

• Property Secured Products (Jun 21- till date)

Responsible for supporting rapidly growing Mortgage and Home Equity portfolios by leading analytical initiatives focused on continuous improvement and optimization of credit policy to enhance risk-adjusted returns and deliver on the strategic objectives of the business. This includes identifying, designing, and implementing credit policy optimization across loan life cycle

(underwriting, loss mitigation, foreclosure, OREO, etc.) in partnership with business, model governance, vendors & technology.

• Merchant Lending & Unsecured loan Products (Jun17- Jun21) Credit risk lead for risk input process of new deal pricing backed by detailed analysis, expert model management & development of vintage level loss estimates to support expansion in new unsecured lending segments. Further responsible for developing a repeatable & reliable monitoring process of credit losses across our installment lending partnerships and ACL, loss forecasting process for various Merchant products. Manage relationships with clients, vendors, business partners, & regulators.

• Overdraft Products (Jan15- Jun17)

Responsible for end-to-end credit risk management of product life cycle of Overdraft portfolio products. Support Credit risk strategies and policies in partnership with business, vendors & model governance, and regulators for delivering on our risk appetite and to support long term growth, acquisition strategies & performance analytics of different risk segments.

• Credit Card (Aug13- Jan15)

Responsible for credit risk management of Credit Card acquisition including optimization of credit policy, performance analytics, and loss performance. Propose new model solutions to leadership by providing retro validations & implementation plans with technology & vendors which helped increase long term revenues & mitigate losses. Served as liaison between business line, risk group, model governance and technology.

iQor Holdings US Inc., New York 2010 - 2013

VP- Analytics

Offer subject matter expertise for all First & Second-party financial services’ portfolios by providing strategic recommendations based on extensive analysis of transactional data. Built and implement segmentation strategies based upon characteristics of individual programs to maximize the revenue & profitability and minimize the cost and future compliance risk. Recommend optimized staffing for collection portfolios to reduce cost and increase margin for fixed revenue-based programs through regression. Provide presentations to the leadership for business insights and decision making. GENPACT, Gurgaon, India 2005 – 2010

New Accounts Lead, Analytics – Grizzard (Direct Marketing agency in North America) Led a team of 10 members. Understand project scope, run failure mode effective analysis before getting critical processes transitioned from US clients and convert all needs into SAS programming. Mentored and worked on six sigma projects & developed Quick Check Mechanism to execute the process with 100% TAT & accuracy. Built process Improvement plans for direct marketing to show growth for coming years by data analytics. Visited on-site US clients to understand their process & transition needs that further expedited and helped India team to establish offshore work in a smoother manner. Senior Consultant, Operations Analytics

A Green Belt Tested and Trained & lean certified Team Leader of 6 members. Worked on cost benefit analyses & inbound call resolution projects to reduce operational costs & enhance the agent skill sets based upon inbound calls’ trend analysis. This included designing call workflow analysis to reduce Average Handle Time (AHT) of Inbound calls & increase IVR utilization rate for Credit Cards’ complaints, minimize call routing to floor agents to reduce operational cost. Established a rule-set to reduce fraud activity on credit cards (Fraud recall project) by leveraging inbound call reasons & call flow data. Won Gold award for the project. College of Business Studies, Delhi University, India Ad-hoc Lecturer 2004 - 2005

Topics delivered: Quantitative Techniques and Production & Inventory Management Classes: Bachelor of Business Administration (BBA) 1st year Semester 2, BBA- 2nd Year Semester 1 EDUCATION & SKILLS

Masters in Operational Research, 2004 University of Delhi, New Delhi, India (CGPA%- 85.6%) BS in Mathematics, 2002 University of Delhi, New Delhi, India (CGPA%- 63.3%) Tools & Business Software Packages SAS, STATA, Tableau, Microsoft Office, SQL Server

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