Summary
Overview
Work History
Education
Skills
Timeline
Generic

Pratibha Singh

Noida

Summary

Results-driven Credit Risk Strategy professional with over 6.5 years of experience in developing and implementing risk management frameworks, credit policies to mitigate risk and improve financial performance. Proven track record of conducting thorough risk assessments, leveraging data analytics to inform decision-making, and collaborating with cross-functional teams to achieve strategic objectives.

Overview

7
7
years of professional experience

Work History

Senior Consultant

EXL Service
Gurugram
10.2023 - Current
  • Implemented credit tightening measures, swapping out higher risk accounts across multiple segments and tightening credit lines across all FICO bands. This effectively mitigated the pressure of Bad to Good Dollar Rate.
  • Retrieved sufficient funnel performance data and identified additional value potential in diverse digital acquisition areas.
  • Launched different credit test and evaluated the impact of assigning higher lines and if it shows encouraging results in incremental sales and balances, apply those to digital channel.
  • Standardize the fatal rules across all strategies while maintaining the Risk Appetite. Aim is to create a common set of exclusion rules for each portfolio.
  • Provided guidance and mentorship to junior analysts, promoting adherence to best practices in risk management.

Lead Assistant Manager

EXL Service
Gurugram
01.2022 - 09.2023
  • Generated MIS performance reports for strategy monitoring and using QlikView as reference point.
  • Provided comprehensive analysis of metrics like approval rates, ANR , sales performance indicators, delinquency amounts and number, overall exposure etc.
  • Impact sizing for approved or declined accounts and recommendation for remediation and/or monitoring based on FICO.
  • Contributed to the successful execution of Pre-Implementation validation projects by utilizing tools like LISA, RMA, Studio and aligning mapping changes with Spec documents for portfolios like Macys, Wayfair, THD and others.

Programmer Analyst Advance

Wipro Ltd.
06.2017 - 12.2021
  • Created and adapted SAS programs to effectively import and retrieve data from various sources.
  • Collaborated extensively with onshore counterparts to gather, analyze, and document requirements.
  • Executed adhoc development tasks and improved coding by incorporating diverse functions.
  • Managed end-to-end ownership of three clients, from requirement elicitation to file delivery.
  • Implemented corrective measures based on root cause analysis findings for ongoing files
  • Managed a range of processes including Annual Enrollment, Production Support, and additional duties.

Education

B.Tech in Computer Science -

Meerut Institute Of Technology
01.2017

Higher Secondary -

Karan Public School
01.2013

Skills

  • SAS Programming
  • SAS/ProcSQL
  • Data Reporting/Analysis
  • ETL
  • Tableau
  • Mainframe
  • JCL

Timeline

Senior Consultant

EXL Service
10.2023 - Current

Lead Assistant Manager

EXL Service
01.2022 - 09.2023

Programmer Analyst Advance

Wipro Ltd.
06.2017 - 12.2021

B.Tech in Computer Science -

Meerut Institute Of Technology

Higher Secondary -

Karan Public School

Similar Profiles

CREATE PROFILE
Pratibha Singh