PRIYANKA VIG
Delhi
Summary
Dynamic professional with extensive experience at EXL Services, specializing in unsecured collections strategy, risk segmentation and acquisition strategy. Proven track record of enhancing collections efficiency and driving significant loss savings through data-driven insights and strategic initiatives. Proficient in Power BI and SQL/SAS, with strong analytical skills and a commitment to optimizing portfolio performance.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Assistant Vice President- Collections Strategy
EXL SERVICES
Gurugram
08.2025 - Current
- Drove 25% increase in collections efficiency through strategic initiatives.
- Led rule-based risk segmentation for early delinquency, improving call strategy, agent productivity, and saving ~$1M annually.
- Optimized loan modification affordability assessments with buffer criteria, driving ~$2M in annual loss savings.
- Enhanced straight roller to loss detection using repayment behavior, achieving 3x improvement in early risk separation.
- Streamlined workflows to reduce operational monthly MIS tasks by 30%, enhancing overall process efficiency.
- Developed loss attribution framework in Power BI to identify high-risk segments and facilitate timely, data-driven decisions.
- Partnered with stakeholders to translate business needs into analytical frameworks, delivering actionable data-driven solutions.
Senior Manager- Unsecured Lending Strategy
EXL SERVICES
Gurugram
07.2022 - 07.2025
- Managed unsecured lending acquisition strategy, implementing credit tightening in high-risk segments and analyzing impacts for new product opportunities.
- Implemented targeted swap-outs for credit tightening in high-risk segments, leading to reduced delinquencies across channels and products.
- Re-evaluated Risk Appetite Framework benchmarks to align acquisition strategy with evolving risk environment and new policies.
- Recommended entry into BK 2-7 segment to expand market reach.
Manager
EXL SERVICES
Gurugram
01.2021 - 06.2022
- Analyzed and reversed COVID-era credit line tightening, recommending ~90% return to BAU levels while maintaining loss benchmarks and boosting profitability.
- Led re-entry strategy to pre-COVID acquisition policies (FICO/ inquiry rules), with P&L impact assessment.
- Designed and executed randomized initial line test (BAU, +15%, +30%) to optimize credit limits and improve portfolio performance.
- Analyzed credit card policies, recommended restoring credit lines to pre-COVID levels, and conducted randomized tests to optimize limits.
Senior Risk Analyst
NATWEST
Gurugram
01.2019 - 12.2020
- Reviewed credit card limit increase strategy and assessed impact of new behavioral scorecard models, enhancing decision-making processes.
- Reviewed credit card limit increase strategy and implemented refined exclusion rules to improve customer selection and performance.
- Assessed impact of new FICO behavioral scorecard, optimizing cut-offs across reissue, authorization, and limit increase strategies.
- Analyzed acquisition policy rules and autoscoring engine performance, identifying override patterns and rule trigger gaps to inform strategic improvements.
Risk Analyst
NATWEST
Gurugram
04.2016 - 12.2018
- Conducted portfolio exposure analysis and data validations, preparing committee packs for Board Risk Committee and UK regulators to support informed decision-making.
- Delivered monthly PFE analysis of derivatives portfolio for PRA and risk teams, evaluating collateral, MtM, FX, and simulated exposures.
- Assessed sector-level Economic Capital with PD/LGD/EAD analysis, providing insights and trigger recommendations for high-risk segments.
- Reported retail credit risk exposures for external disclosures, ensuring accuracy and compliance with regulatory standards to uphold organizational integrity.
- Collaborated with credit officers and governance teams to validate counterparty and portfolio exposure movements, enhancing transparency and risk management processes.
Education
MSc - Mathematics
FACULTY OF MATHEMATICAL SCIENCES (UNIVERSITY OF DELHI)
New Delhi01.2015
BSc Honors - Mathematics
MIRANDA HOUSE (UNIVERSITY OF DELHI)
New Delhi01.2013
Skills
- Unsecured Collections Strategy
- Credit Portfolio Management
- Acquisition Strategy
- Loss forecasting
- Risk Reward Optimization
- Risk segmentation
- Predictive Analytics
- Data-Driven Insights
- Power BI, Tableau
- SQL
- SAS- EG
- MS Excel
- MS- Power Point
- Profit & Loss Analysis
- Decision trees, Knowledge Studio
- Python Basic
Certification
- Certified Level 1 Financial Risk Manager, FRM (GARP Institute), 11/17
- PGDBM (Diploma in Banking Management), Bennett Coleman University, 08/15 - 02/16
Accomplishments
- Winner of Quarterly awards for living by values in NATWEST Group
- Yearly Star Performer, 2017 and Risk Commended winner Q4 2018.
- Recognized for Right First-time submission of new ownerships during work visit in UK.
- Recognized as SME for PFE reporting and introduced new initiative to publish monthly derivative snapshot in the team.
- Recognized for Citi ACE award in 2023.
Timeline
Assistant Vice President- Collections Strategy
EXL SERVICES
08.2025 - Current
Senior Manager- Unsecured Lending Strategy
EXL SERVICES
07.2022 - 07.2025
Manager
EXL SERVICES
01.2021 - 06.2022
Senior Risk Analyst
NATWEST
01.2019 - 12.2020
Risk Analyst
NATWEST
04.2016 - 12.2018
MSc - Mathematics
FACULTY OF MATHEMATICAL SCIENCES (UNIVERSITY OF DELHI)
BSc Honors - Mathematics
MIRANDA HOUSE (UNIVERSITY OF DELHI)