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 - 04.2005
Bachelor of Science - Mathematics, Statistics And Computer Science
Nizam College, Osmania University
Hyderabad, India 04.2000 - 04.2003
Skills
Predictive Modeling
Statistical Data Analysis
Data Management, Feature engineering
KPI Tracking
Recruitment
Proficient in SAS, SQL, Tableau, R, SPSS, Basics of Python
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 - 04.2005
Bachelor of Science - Mathematics, Statistics And Computer Science
Nizam College, Osmania University
04.2000 - 04.2003