Sushmita Bhatia

· Lead & drive growth strategy for business through connected commerce & tech based research.

· Developed best in class analytical ecosystem to enable business acceleration & decision making

· Implemented and developed operational/ analytical standards, policies and procedures.

· Developed advanced technology architecture to replace aging legacy systems.

· Evaluated hiring, firing, and promotions requests.

· Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.

· Provided strong leadership to enhance team productivity and morale.

• Currently serving as BIU head for HFL portfolio looking after projects for home loan and home equity

• Worked as an Analytics head for credit cards portfolio looking after portfolio optimization through cross sell eligibility enhancement, risk analytics for credit cards, stress testing, CLTV models, bureau analytics, propensity models, response model for cross sell campaigns, strategy and decision sciences, and business intelligence

• Consulting and solution architecture for Campaigns for PayPal, working on complex model development in UNICA, developing complex campaigns through UNICA implementation, and consulting on best industry practices and recommendations on optimizing campaign logics

• Key responsibilities include being an SME for Analytics for all lifestages, data scientist for all analytical solutions, working on various models and analytics related to market segmentation, market basketing, customer profiling, market mix models, propensity models, probability scoring, data infrastructure stabilization, econometric models, UNICA campaign analytics, real-time triggers, balance growth strategy optimization, PPC revenue calculation, RFM models, and customer stated preference model

• Analytics consulting on various projects including forecasting channel usage volume, pricing model redevelopment, credit card chip migration, impact of macroeconomic factors on balance growth, balance transfer optimization, business consulting on PD, LGD, EAD models, FRB regulatory analytics, and resolving business problems

• Key responsibilities include CCAR model validation, delinquency models, CCAR data mining, model validation, fees remediation programs, working on various adhocs and projects related to balance transfer campaign, pricing segment stability, interest refund program, fraud management, product rate bucket analysis, and response channel model applicability

• Key responsibilities include collections analytics, mortgage capitalization and negotiation tools, prime time determination for cards, current account charge-off reduction, handling various projects related to customer contact management, customer preference markers, delinquency predictors, stabilizing recovery channels, trend analysis, and working on BASEL scenario testing