Ashutosh Kumar

Leading team of 2 analysts to deliver analytical solutions that enhance the features and benefits on corporate products and deepen the customer engagement.

• Corporate SBS Overlap Analysis: Annual spend analysis of the commercial portfolio to identify businesses with dual relationship across SBS and Corporate products and understand their firmographics to build cross-sell strategies for Corporate products.
• Drive to RLI Propensity Analysis: Analyzed the profile of MM Clients who have higher likelihood of responding to the RLI email campaigns and using the information to share monthly list of clients for dial-up campaigns.
• Led the team to build tableau dashboards tracking key profiling and KPIs for the MM clients on basis for monthly leadership updates.

Leading team of 4 analysts to drive end to end case setup and digital strategy involving development / enhancement, implementation and regular monitoring of effectiveness of the strategy.

• Increased digital coverage on US Corporate card members for POS declines increasing it from 6% in Jan-2023 to 76% in Dec-2024
• Optimization of payment reminder strategy on new templates with specific and improved verbiages showing lift of 6% in payment rates as compared to 10% control population
• Built and implemented new Over limit strategies for MEC Clients improving digital coverage from 42% to 75%
• As part of new enterprise wide platform development for capturing transactions, provided requirements for end to end journey for case setup and digital strategies
• Optimization exercise for both Reactive and Proactive case setup strategies across credit concerns of OOP, Delinquency, No Good Payments and Over limit improving capture rate with reduced number of rules
• Identification, analysis and remediation of 2 key operational risk events impacting the case setups processes in order to mitigate credit losses and provide better customer experience.

• Quarterly performance monitoring for both secured and unsecured business banking portfolio across firmographics for Singapore, Hong Kong and India markets
• Developed pre-x segmentation strategy for unsecured and secured business banking portfolios for Singapore, Hong Kong and India markets leveraging on-us, credit bureau and CASA liability data. This analysis was leveraged to develop early collection strategies for High Risk segment
• Developed Global CAD document for unsecured business banking portfolio, by analysing 8 different markets to arrive high-level cut-offs across major firmographics and key credit acceptance parameters.
• Analysed bank statements for India market provided by the third party to identify key risk differentiating variables, later utilised by modelling team in A-score development.

Worked across underwriting and ECM MIS team, and Collections team for Citibank's credit cards business across North America region.

• developed, and tracked weekly/monthly/quarterly MIS numbers for new acquisitions and PLI / RLI campaigns
• Analysis of KPIs for test vs control for skip accounts letters strategies across 3 segments
• Worked on transition of excel based reports to tableau dashboards for generating MIS numbers
• Part of mentoring and reference materials development team for onboarding of the campus hires