Summary
Overview
Work History
Education
Skills
Certification
Websites
Timeline
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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, Uttarakhand
05.2016

Dissertation, Int. MSc - Physics

Indian Institute of Technology Roorkee
Roorkee, Uttarakhand
05.2016

Internship - Physics

IISER Pune
Pune, Maharashtra
07.2013

12th Grade - Science (PCMB)

DL DAV Model School
New Delhi, India
05.2010

10th Grade, CBSE 10th Class -

DL DAV Model School
New Delhi, India
05.2008

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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