Anurup Dey

• Engagement management professional with proven track record of 18+ years delivering tailored solutions in the world of decision analytics. Known for strategic mindset and ability to drive project on research and strategy enhancement and solutioning.
• Rich knowledge of financial and risk management domains such as credit cards, loans (secure and unsecured lending and overdrafts) in Global BFS , Fintech and Insurance (auto and healthcare). Associated with Model Risk Assessment and Governance teams, Risk Strategy Development (Machine Learning and Scorecards) and Model Validation teams, Data Analytics and Insights teams for major BFS and NBFS

Worked with senior stakeholder including Chief Risk Officers (CRO) on multiple fronts varying from strategic development, risk conferences and solution presentations for a couple of leading BFS companies., Exchanged ideas and solutions with Chief Technology Officer (CTO) on a complex migration project., Ensured optimal exchange of information and communication for best possible and prioritized solutions., Synthesized weeks/months of work into deliverables which succinctly conveys the key insights and actionable., Coordinated and managed risk forums and business review meetings to decision upon model and strategic implementations and progress plans., Managed strategic projects/initiatives, which required cross team brainstorming for building solution and implementation. Encouraged conflicting ideas to obtain the robust solution catering to a larger need., Hosted and initiated project advancement and optimization discussions engaging risk and governance teams to enable efficient and value through analytics ideas and processes., Managed audit and governance teams for smooth flow of deliverables and maintenance., Managed 25 member in BFS client environment which comprised of Model Development, Application and ECM Risk Strategy, Monitoring and Validation and Fraud Reporting., Managed both onshore and offshore teams and deliverables., Thorough ownership of projects beginning with requirement gathering, business understanding, story boarding, team discussions, developing hypothesis, stakeholder management, solution designing, presentations and implementations planning., Identified areas of analytical interventions for innovative solutions across organization., Managed resourcing, career planning and growth, knowledge sharing for quality deliverables provided by the team., Critical and complex management – For a migration project for the Model Monitoring team (14 member) where there was no reporting or monitoring framework. Managed stakeholder expectation alongside the team and built a sustainable yet robust process and framework for effective governance., Built Underwriting and ECM scorecards for improved risk segmentation and mitigation for leading credit card and retail loan providers (mostly unsecured)., Understood the portfolio requirement and challenges to manage timelines., Learnt and assessed exiting models and their deviations from actuals, for improved computation and approach., Conceptualized and formulated possible methodology and validation challenges prior to final solution., Built champion challenger models for cross validation., Created analytical insights on consumer behavior and risk patterns as indicative strategies., Constructed implementation codes and presented in the forum., Solution architect for IFRS9 Development team along with a 4-member team., Interpret stakeholder requirement and formulated best to their expectation to understand vintage analysis to understand the lag effect of macro-economic parameters., Transformed a typical roll rate-based analysis to more meaningful number-based calculation to fit the changing needs for a scarcely populated portfolio., Designed substitution validation methods for products with low event rates., Created Times Series based forecasting modules for MTP analysis, but understood its drawback under underestimation upon team discussions. Replaced with Exponential analysis for more accurate outcomes as part of conflicting brainstorming of solution., Currently building an Early High Risk indicator model for credit card portfolio. This will be implemented on High-Risk Account Management (HRAM) strategy to detect asset risk. The model is capable of capturing more that 70% probable HR accounts early, saving about 70 million in asset value for the Bank., As a part of BCBS239 reporting, leading and building reports to test the data submitted by the Bank to the bureau for all Unsecured products. Was involved in end-to-end coding and creating the reporting framework to flag the difference and also analyze and report the reason comparing different data sources. This will prevent the Bank from financial losses in terms of penalties the Bank has to incur due to incorrect submissions., Working with a 10-member Strategy team to create a current pandemic-based risk assessment to understand customer patterns using demographic and bureau data, which prevent possible leakage of stocks., Designed and developed a Promotional Discount product to assess customer profitability and predict the discount that should be given considering customer retention as an important tool in decision making. This helped save about half a million USD annually which was initially going beyond budget., Strategizing on a customer feedback-based assessment for better customer handling for Operations representatives., Conceptualized aggressive risk mitigation strategies by enabling mandates and approaches on its validation., Connected with product specialist to learn over different aspects to implement like strategies for optimal outcome largely focusing on risk mitigation., Working with the Fraud reporting team for improved reporting on Fraud agents on productivity and accuracy., Lead the BAU engagements for both application/ECM and collections strategy., Understanding on pricing of Personal Loans and rate assessment with changing needs., Lead and supported a 13-member Model Monitoring team and covering all risk aspects of both Retail and Corporate banking as well as Fintechs., Lead an end-to-end monitoring process automation for risk free reporting structure saving 40% of manual intervention and reduced resource time., Introduced innovative and more meaningful KRIs and segmentation for business validations and also insightful to Development teams., Managed client presentations at monthly forum meet and channeled discussion for productive outputs., Led an Analytics team to create multiple PoCs and PoVs across insurance and healthcare domains., Build regression models to predict the incurred loss of late payments of claims for a leading US Healthcare group., Created the business scenario, understanding the void in the payer claims handling structure., Worked with a team of 11 members on a Vendor evaluation project for 8 weeks to convert a given problem/challenge by prospectus US insurance client., Driver profiling for an US based Auto Insurer., Segmentation of driver into risk categories based on clustering and further profiling the driver characteristics using Telematics data., Also formulated a scoring technique to align a risk grade to drivers., Auto Recommendation Engine., Created an ensemble of models using Cluster algorithm, Logistics Regression, Decision Tree to finally recommend customers of their next best suitable choice of car., Intensive research through different geographies to understand best buying models, discussing with stakeholder and design team to understand the implementation challenges was a rewarding experience.