Ambar Sinha

Working for the Citibank US Credit Banking

-Formulation and Implementation of Business Strategy

-Recommending strategies/policy changes for pre-acquisition strategies, optimizing credit limit capping for Existing and New sourcing, Identifying target customer segments for retail and cross-sell, Risk Assessment, Conducting Market Benchmarking Analysis evaluating business performance with its competitors.

-Lead a team for credit product's acquisition and growth strategy.
- Created roadmap and strategy for external affiliate partner management driving customer acquisition.
- Devised strategies to limit exposure to low-risk but low-profitability customers
- Designed a new strategy to target a dormant customer base

- Refreshed strategies to enhance credit portfolio in micro and macro economic factors scenario
- Created the strategy for a cross-sell product
- Adjusted strategies to account for risks score model realignment

- Worked on different products portfolios to look into rewards, offers marketing strategy and performance.

• Working in Credit Risk domain, creating different metrics to analyze risk and understand the provisioning of funds accordingly.

Counter Party Risk Project- Analyzing and calculating the risk sharing of different portfolios and calculating the collateral requirement for the stakeholders. It is used to get the Partners and other Parties to provision Amount in form of Collateral as security for future business Risk.

Expected Credit Loss- Calculating the month end loss expected on different products and portfolios as per the RBI Guide lines. It is an unbiased probability weighted amount based out of possible outcomes after considering risk of credit loss to provision for the future loss.

Portfolio Performance Report- Analyze and create performance review report on different Channel Partner to track them on different Performance metrics.

• Working ONSITE for Google internal team supporting and handling the data end of the Business.

• Developed complex dashboards for Client and Partners using BI and Visualization Expertise .

• Developed extensively KPI and SLA reports for top Global Partners.

Specialized in dashboard development, finding and representation of resourceful insights as per the business requirements.

• Developed automated email processes for the different product surveys and feedback on different business ends and used the feedback to calculate different KPI and Indexing parameters.

• Involved in developing the process for the effort estimation on different projects worked by partners .

• Involved in Troubleshooting, resolving & escalating data related issues and Validating to improve quality delivery with TAT.

• Identify business needs and develop valuable analytical solutions to drive accuracy and process efficiency.

• Involved in developing, implementing, documenting, monitoring & maintaining Data & ETL processes.

• Fund Liquidation and Year End Annual Enrolment(DB/DC/HM) Fund- Liquidation deals with fund closure and opening new funds. It also involves money movement on Age based funds after processing liquidation, a new population was also acquired.Every year end, client ask for a report which have all information about its employees related to their PII (Personally Identifiable Information) data, plan information in which they made expenditures during the year, information about how much they earn ,spend, contribute in the particular location, and what they have in their employer and employee contribution. Plan subscription and renewals data.

• Day Pass Due(DPD) OR LOAN Delinquency Project- The purpose of this project is to fetch the delinquent customers on the basis of their missing repayments according to their Amortization schedule with the bank and look for delinquency in different buckets on different parameters. Making several reports and sending it to client team for further taxation process.

(Supporting US BANK) Credit Card Management

• Product Performance Dashboard: Developed model on co-branded card’s performance for multiple segments.

• Modeling on Card: Prepare market basket analysis report on card member's benefits usage.

• Merchant portfolio Analytics: Develop visualization tool in Tableau for Merchant benchmarking among pears.

• Using many techniques like Early view, Forward looking, Business insights, Real time view and digitalization to enhance partner's experience.

(Supporting onsite GOOGLE)

• Google Lens and Machine Perception-

(Analytics - Decision Management Team) supports various functions which include Data Management, reporting, Trend Analysis and Graphical representation of data. Design and develop Information and decision management solutions which help business in driving informed decisions.

Complete business analytics & decisions (Risk analysis and Market predictive analytics) which helps in decision making and automation of the business reporting.

• Crowd Compute Campaign-

Online shopping applies search technology to help you find and research products from online stores across the web and then points you directly where you can buy them.

Analyze data to understand specific measures to increase business performance by conducting statistical analysis over data and providing analysis report to the client with Trend and Pareto analysis(80:20 Rule).