Apoorva Arora
New Delhi
Summary
Engagement Manager at EXL Service currently servicing BFSI Industry in Credit Risk Management Projects leading the off shore Strategy team. Expertise in optimising risk-based strategies to enhance Acquisition and ECM policies. Proven track record of driving improvements in client outcomes through data-driven decision making.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Engagement Manager
EXL Services Pvt. Ltd.
Gurugram
08.2023 - Current
- Feature Engineering from Raw Bureau Data: Detailed deep dive on TransUnion Package to identify and create meaningful custom attributes to enhance Model Predictability and strategy decisioning by observing KS lift on benchmark UW model
- Drove Revenue Enhancement projects for Retail Cards Portfolio: Deep dive on Payment behaviour among customers to segment them into high probability to pay to nudge them into early payments in order to reduce operational cost and for potential revolvers to offer Low APR options and mitigate attrition by external financing options
- Managed and lead the Credit risk Team focused to develop robust acquisition and engagement strategies targeting resilient customer base
- Facilitated collaboration among cross-functional teams to enhance project delivery efficiency.
Project Manager
EXL Services Pvt. Ltd.
Gurugram
08.2021 - 07.2023
- Risk Initiatives to Improve Portfolio Health and Profitability: Optimised credit score cutoffs for various acquisition channels; Supported expansion of current buy box using test and learn; Optimised ECM Strategy by CLi expansion, Line management intitiatives, graduation, Contingent liability etc.
- Calculated Return on Tangible Common Equity (RoTCE) for customer engagement programs, refining policies accordingly.
- Managed project timelines and resources to ensure alignment with client expectations.
- Coordinated with stakeholders to define project scope and objectives effectively, developing plans to align with Organisational Objectives.
Senior Consultant
EXL Service Pvt. ltd.
Gurugram
07.2018 - 07.2021
- Covid Action and Re-entry Strategy: Analyzed economic stress factors due to COVID-19 and led accelerated tightening across Acquisition and ECM Programs. Monitored risk levels and stress and led phased re-entry for ECM policies.
- Optimisation of ECM Policies: Identified opportunity to expand CLI policy and leveraged historical performance and EBIT estimation techniques to lead foundational testing to improve Proactive CLI and to collect data for model based segment level CLI journey
Analyst
ANI Technologies Pvt ltd (Ola Cabs)
Bangalore
10.2016 - 06.2018
- Reduced drop-offs at various steps on the app platform by 20% with the help of in-depth funnel analysis.
- Campaign Optimisation: Tagged users on the basis of activity, frequency, category preferences, payment preferences etc. in order to improve understanding of behavior patterns and design campaigns accordingly.
- Product Funnel Analysis: Helped in achieving a 17% lift in bookings and 96% ROI by carrying out focused segmentation on users for relevant campaign targeting.
- Used K-means clustering to segment users on the basis of ride frequency and variance over weeks and assigned engagement scores to users in order to improve campaign efficiency.
Education
Integrated MSc - Physics
Indian Institute of Technology Roorkee
Roorkee, Uttarakhand05.2016
Dissertation, Int. MSc - Physics
Indian Institute of Technology Roorkee
Roorkee, Uttarakhand05.2016
Internship - Physics
IISER Pune
Pune, Maharashtra07.2013
12th Grade - Science (PCMB)
DL DAV Model School
New Delhi, India05.2010
10th Grade, CBSE 10th Class -
DL DAV Model School
New Delhi, India05.2008
Skills
- Credit Risk Management
- Banking and Credit Card Portfolio
- Stakeholder Management
- SQL
- R
- Customer segmentation
Certification
- Statistical Inference (Coursera by Stanford)
- R Programming (Coursera)
- Survival analysis of passengers on Titanic (Kaggle)
Timeline
Engagement Manager
EXL Services Pvt. Ltd.
08.2023 - Current
Project Manager
EXL Services Pvt. Ltd.
08.2021 - 07.2023
Senior Consultant
EXL Service Pvt. ltd.
07.2018 - 07.2021
Analyst
ANI Technologies Pvt ltd (Ola Cabs)
10.2016 - 06.2018
Integrated MSc - Physics
Indian Institute of Technology Roorkee
Dissertation, Int. MSc - Physics
Indian Institute of Technology Roorkee
Internship - Physics
IISER Pune
12th Grade - Science (PCMB)
DL DAV Model School
10th Grade, CBSE 10th Class -
DL DAV Model School
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