Indrajit Mitra
Gurgaon
Summary
- 18+ years of experience in Credit Risk Management, Data Analytics, ML Modeling, Product Management and Collection Strategy in Credit Card and Personal. Managing 40+ team members
- Head of end-to-end Credit Card and Personal Loan analytics in RBL bank including strategy, data analytics, portfolio analysis, infrastructure design and operation treatment
- Strong expertise in Credit Risk Management for Credit cards through data driven approach
- 9+ years of experience in people leadership, senior stakeholder management and vendor management
- Experience in setting up new teams and working with market risk CCOs, operation and compliance leadership teams
- Experience in collaborating and influencing leaders across the organization including Business leaders, Chief Risk Officers, Compliance leaders and operations
Overview
18
18
years of professional experience
4
4
Certifications
Work History
SVP
RBL Bank
07.2023 - Current
- Head of End to End Analytics for RBL Credit Cards and Personal loan
- Developed and implemented Behavioural and Income Model
- End to End tracking of all Credit and collection models
- Developed Multibureau strategy for Credit Cards leading to significant
- Designing Line Assignment for Credit Cards and PL
- Envisioned Account Aggregator strategy for Credit Cards and PL
- Developing framework for next generation Customer Management Process
- Strategized and created blueprint for next generation customer management process
- Implemented MPV version of the blueprint for few of the processes
- Developed automated strategy to manage high-risk exposure for Direct Debt enrolled customers
- Automated Risk Strategy for Direct Debit enrolled customers resulting in open save of USD 6MM
- Influenced stakeholders across the organisation to get alignment to implement the strategy
- Rolling out Covid-19 pandemic related strategies
- Developed a strategy to mitigate credit risk and customer experience in response to the pandemic
- Ensured all regulatory and compliance related to Covid-19 are followed
- Worked with multiple partners in an uncertain environment to co-ordinate changes across different business units
- Digitalization of collection strategy for Past Dues segment
- Digitalized the entire call-and-collect model for international markets with digital first approach
- Ensured that team has the digital capability and implemented various test-and-learn approaches to understand customer behaviour
- Responsible for identifying, creating action plan and implementing strategy to manage portfolio deterioration
- Managed and developed teams of highly talented individuals
- Risk Mitigation strategy for Pay Overtime feature
- Provide thought leadership for Pay Overtime feature launch for Canada as a part of the leadership team
- Developed the risk mitigation strategy design for customer management
- Worked extensively with capability team to design the risk capability from ground zero
- Profitability-based approach for Line Optimization actions
- Developed, designed and implemented a profitability-based approach for risk-initiated line optimization exercise
- Worked with different leaders to ensure the benefit of the strategy is understood and aligned for implementation
- Planning and executing Recession Readiness plan
- Developed key strategies and capability milestones to ensure appropriate action can be taken during a recessionary scenario
- Ensured all business units e.g., marketing, finance, compliance and capability teams are aligned on the road map
- All these planning came useful during the pandemic when quick response was critical
- Rolling out Cancellation Strategy for ultra-low tenure high-risk acquisitions. Net PTI USD 5 MM
- Managing high-risk-low-tenure customers is critical for effective risk control
- Created an end-to-end process to manage these CBO type customers by cancelling them early
- Experience in setting up new team and process for COE
- Established end-to-end plan for setting up new team and processes
- Experience in campus and lateral recruitment process
- Experience in managing development and growth of highly talented individuals
- Managing External Branding workstream for Amex COE
- Worked with multiple external parties to ensure Amex Brand gets presented in Analytics Forums
- Worked with Analytics India Magazine to sponsor Conferences and Hackathons
Director
American Express
06.2008 - 06.2023
Functional Trainee
GE Money
07.2007 - 05.2008
Education
High School -
South Point High School
BSc - Economics
Ramakrishna Mission Residential College
MA - Economics
Delhi University
Skills
- ML Credit Modeling
- Credit Risk Management
- Risk Strategy
- Collection Analytics
Certification
Leadership Excellence, Harvard Business School
Roles And Responsibilities
- Head of End to End Analytics for RBL Credit Cards and Personal loan, Developed and implemented Behavioural and Income Model, End to End tracking of all Credit and collection models, Developed Multibureau strategy for Credit Cards leading to significant improvements, Designing Line Assignment for Credit Cards and PL, Envisioned Account Aggregator strategy for Credit Cards and PL
- Developing framework for next generation Customer Management Process, Strategized and created blueprint for next generation customer management process, Implemented MPV version of the blueprint for few of the processes
- Developed automated strategy to manage high-risk exposure for Direct Debt enrolled customers, Automated Risk Strategy for Direct Debit enrolled customers resulting in open save of USD 6MM, Influenced stakeholders across the organisation to get alignment to implement the strategy
- Rolling out Covid-19 pandemic related strategies, Developed a strategy to mitigate credit risk and customer experience in response to the pandemic, Ensured all regulatory and compliance related to Covid-19 are followed, Worked with multiple partners in an uncertain environment to co-ordinate changes across different business units
Profile
18, Credit Risk Management, Data Analytics, ML Modeling, Product Management, Collection Strategy, Managing 40+ team members, Head of end-to-end Credit Card and Personal Loan analytics in RBL bank, Strong expertise in Credit Risk Management for Credit cards through data driven approach, 9+ years of experience in people leadership, senior stakeholder management and vendor management, Experience in setting up new teams and working with market risk CCOs, operation and compliance leadership teams, Experience in collaborating and influencing leaders across the organization
Timeline
SVP
RBL Bank
07.2023 - Current
Director
American Express
06.2008 - 06.2023
Functional Trainee
GE Money
07.2007 - 05.2008
BSc - Economics
Ramakrishna Mission Residential College
MA - Economics
Delhi University
High School -
South Point High School
Similar Profiles
POONAM BHAWARIPOONAM BHAWARI
Data Engineer at RBL BankData Engineer at RBL Bank
Kanna SundeepKanna Sundeep
Assistant Training Manager at RBL BankAssistant Training Manager at RBL Bank
SHREYA HANDASHREYA HANDA
Senior Manager – Product & Portfolio at RBL BankSenior Manager – Product & Portfolio at RBL Bank
Pallavi MehndirattaPallavi Mehndiratta
SDA CASH (DEPUTY MANAGER) at RBL BANKSDA CASH (DEPUTY MANAGER) at RBL BANK
Smriti RanaSmriti Rana
Technical Architect & Lead at Builder.aiTechnical Architect & Lead at Builder.ai