Mahender Kummari
AVP - Acquisition Strategy
Summary
- Experienced credit risk Manager with over 19 years of experience at lending institutions and banks.
- Proficient knowledge in assessing the creditworthiness of retail and Small business clients
- Intensive work experience in Predictive modeling, Data mining and engineering, Acquisition and Attrition modeling, Campaign performance tracking
- Experience working with Credit Bureau data
- Proficiency in handling major softwares - SAS, SQL, SPSS, Tableau, R
Overview
19
19
years of professional experience
3
3
Certifications
Work History
AVP, Acquisition Strategies
Synchrony
08.2018 - Current
- Building best-in-class credit strategy to decision the credit applications for the retail card portfolios
- Design strategies for assigning Risk-based credit line assignment, post the approval of credit application
- Evaluate the newly available credit risk scores and upgrade the strategies for better performance
- Collaborate with all stakeholders, client partners, product teams for smooth implementation of the strategies and monitoring
- Credit strategies for Secured Installment Loan clients
- ATP (Ability to Pay) Analysis and rules
- Decision management tools like – MBDT, FICO AWB
- Other key roles played during the journey - Fraud Strategies for credit decisioning, MIS Reporting, Data management, Team management
Manager-Analytics
ZAFIN
12.2014 - 08.2018
- Built classification models (Segmentation) for classifying customers based transaction activity - Deposit (Savings and Checking) accounts
- Predicted Check Fraud transactions for a leading Canadian Bank - TD. Also built predictive models for assessing SWIFT Wire transaction fraud for them
- Building logistic models to predict the customers who are likely to buy a mortgage loans
- Feature engineering - Suggest, define and create various transactional and behavioral attributes to use in attrition and acquisition predictive models
- Automated model development process using R programming
- Helping and monitoring the team to implement the entire modeling process with the Big-data frame work
- Team Management - Project delivery, Hiring, Trainings
Manager-Data Scientist
Symphony Teleca Corporation
02.2014 - 12.2014
- Worked on various Modeling projects and Statistical analyses - Logistic models, General linear models, Generalized additive models, Classification models and Ensemble/Bagging techniques, Support Vector Machine (SVM) Algorithm
- R Programming
- Banking and Automotive industry experience
Lead Statistician
Fiserv India Limited
09.2010 - 01.2014
- Worked on various Modeling projects and Statistical analyses, which includes: Attrition models - DDA Attrition, NSF based attrition, Charge-off models
- Adoption and Acquisition models, which are need based and usage based (Online banking and e-Statement adoption models, etc)
- Worked on Up-sell/Cross sell models (Next likely product, Next best buy)
- Deposits based and EFT (Electronic Funds Transfer) based Segmentation Models and Rules
Consultant
GENPACT
11.2006 - 09.2010
- Supported one of the US's biggest Banking, Credit Card & Network provider - Discover Financial Services' Marketing analytics team through Statistical Analysis, Modeling and MIS/Reporting
- Responsibilities include: Acquisition Models, Portfolio analysis, Customer Profiling and Spend Behavior analysis
- Campaign performance tracking and General reporting that supports the client business
- SAS/SQL programming
- Earned a LEAN certificate for reducing runtime of data aggregation code from ~6 hrs to ~30 min
Statistician
SPSS South Asia Private Ltd
07.2005 - 10.2006
- Support the Sales and Marketing teams
- Presentations, demonstrations of the Software
- Case study preparations and white papers writing
- Pre-sale and Post-sale client support – Usage, Interpretation of the statistical results from the software
Education
Master of Science - Statistics
University of Hyderabad
Hyderabad, India 04.2003 - 2005.04
Bachelor of Science - Mathematics, Statistics And Computer Science
Nizam College, Osmania University
Hyderabad, India 04.2000 - 2003.04
Skills
Certification
ChatGPT & AI Hacks with MS Office - From Skill Nation
Tools Exposure
- SAS/SQL
- Tableau
- R
- SPSS (UI/Syntax)
- SPSS Modeler
- Basics of Python
Professional Exposure
- Synchrony, AVP, Acquisition Strategies, 12/2018, Present
- Zafin Software Centre of Excellence, Manager-Analytics, 12/2014, 08/2018
- Symphony Teleca Corporation, Manager-Data Scientist, 02/2014, 12/2014
- Fiserv India Limited, Lead Statistician, 09/2010, 01/2014
- GENPACT, Consultant, 11/2006, 09/2010
- SPSS South Asia Private Ltd, Statistician, 07/2005, 10/2006
Timeline
AVP, Acquisition Strategies
Synchrony
08.2018 - Current
Manager-Analytics
ZAFIN
12.2014 - 08.2018
Manager-Data Scientist
Symphony Teleca Corporation
02.2014 - 12.2014
Lead Statistician
Fiserv India Limited
09.2010 - 01.2014
Consultant
GENPACT
11.2006 - 09.2010
Statistician
SPSS South Asia Private Ltd
07.2005 - 10.2006
Master of Science - Statistics
University of Hyderabad
04.2003 - 2005.04
Bachelor of Science - Mathematics, Statistics And Computer Science
Nizam College, Osmania University
04.2000 - 2003.04
Similar Profiles
Amber McCluskeyAmber McCluskey
Pharmacy Technician at SynchronyPharmacy Technician at Synchrony
Tamia JamesTamia James
Collections Representative at SynchronyCollections Representative at Synchrony
Bladiluis VazquezBladiluis Vazquez
Manager, Bilingual Customer Service at SynchronyManager, Bilingual Customer Service at Synchrony
Donna PaulDonna Paul
Customer Service Escalation Specialist at SynchronyCustomer Service Escalation Specialist at Synchrony
MOHAMMED ALHAMDANMOHAMMED ALHAMDAN
<p>• Led the full project lifecycle of HR initiatives, including workforce planning, policy development, and process improvement.<br> • Created and managed detailed project plans, schedules, and budgets to ensure timely and efficient execution.<br> • Coordinated cross-functional teams to deliver HR projects on schedule while maintaining compliance with organizational standards.<br> <br> <strong>Compensation, Benefits & Payroll:</strong><br> • Oversaw end-to-end payroll administration, ensuring accurate and timely employee payments.<br> • Managed employee compensation and benefits programs, aligning them with market standards and company objectives.<br> • Addressed payroll discrepancies and provided solutions to maintain smooth operations.<br> <br> <strong>Policy Development & Compliance:</strong><br> • Developed and implemented company-wide HR policies to enhance workplace efficiency and employee satisfaction.<br> • Ensured compliance with labor laws and Ministry of Human Resources regulations, mitigating legal risks.<br> • Advised leadership on labor law updates and best practices in employee relations.<br> <br> <strong>Talent Acquisition & Onboarding:</strong><br> • Directed full-cycle recruitment processes, from sourcing and interviewing to hiring and onboarding.<br> • Managed international hiring, including visa processing, embassy coordination, and relocation support.<br> • Optimized onboarding programs to ensure a smooth transition for new employees.<br> <br> <strong>Employee Relations & Engagement:</strong><br> • Served as a primary point of contact for employee concerns, providing effective conflict resolution.<br> • Maintained accurate records for attendance, leave, and performance management.<br> • Prepared employment contracts and offer letters in compliance with legal and company standards.<br> <br> <strong>Strategic HR Leadership:</strong><br> • Collaborated with senior management to align HR strategies with business goals.<br> • Analyzed HR trends and provided recommendations to enhance workforce planning and development.<br> </p> at Saudi Central Bank<p>• Led the full project lifecycle of HR initiatives, including workforce planning, policy development, and process improvement.<br> • Created and managed detailed project plans, schedules, and budgets to ensure timely and efficient execution.<br> • Coordinated cross-functional teams to deliver HR projects on schedule while maintaining compliance with organizational standards.<br> <br> <strong>Compensation, Benefits & Payroll:</strong><br> • Oversaw end-to-end payroll administration, ensuring accurate and timely employee payments.<br> • Managed employee compensation and benefits programs, aligning them with market standards and company objectives.<br> • Addressed payroll discrepancies and provided solutions to maintain smooth operations.<br> <br> <strong>Policy Development & Compliance:</strong><br> • Developed and implemented company-wide HR policies to enhance workplace efficiency and employee satisfaction.<br> • Ensured compliance with labor laws and Ministry of Human Resources regulations, mitigating legal risks.<br> • Advised leadership on labor law updates and best practices in employee relations.<br> <br> <strong>Talent Acquisition & Onboarding:</strong><br> • Directed full-cycle recruitment processes, from sourcing and interviewing to hiring and onboarding.<br> • Managed international hiring, including visa processing, embassy coordination, and relocation support.<br> • Optimized onboarding programs to ensure a smooth transition for new employees.<br> <br> <strong>Employee Relations & Engagement:</strong><br> • Served as a primary point of contact for employee concerns, providing effective conflict resolution.<br> • Maintained accurate records for attendance, leave, and performance management.<br> • Prepared employment contracts and offer letters in compliance with legal and company standards.<br> <br> <strong>Strategic HR Leadership:</strong><br> • Collaborated with senior management to align HR strategies with business goals.<br> • Analyzed HR trends and provided recommendations to enhance workforce planning and development.<br> </p> at Saudi Central Bank