Indrajit Mitra

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