Principal Consultant


Motivated, insightful and success driven business professional with significant experience in leveraging customer analytics to obtain actionable business insights. Excellent problem solving skills and solid understanding of financial, marketing and insurance industries.


Master of Science, Statistics
Master of Science, Economics

Professional Experience:

Marketing Consulting Firm, December 2007 - Present
Associate Director, Retail Consulting, Consumer Packaged Goods

  • Provide analytic consulting to CPG companies in pricing, promotion and assortment, working closely with internal and external business leaders and leveraging transactional customer database to gain insights and provide analytic intelligence needed to make business decisions.
  • Develop promotional strategies to target key customer segments, based on historical customer segments performance, price elasticity, and competitor analysis, to increase household penetration, increase sales and help maintain competitive edge in challenging economic environment.
  • Use customer buying patterns, demographics, price elasticity in cluster analysis for store assortment to provide plan-o-gram segmentation recommendations by category and by store segment, to better connect with customers by putting the right products in the right stores.

Retail Firm 2006-July 2007
Manager Marketing Planning

  • Develop and execute marketing plans.
  • Develop customer value proposition to retain and attract new customers, create go-to market strategies and ad contents to increase awareness and consideration for the home appliances business.
  • Work with internal business partners and outside vendors to build ad contents and lead generation opportunities.
  • Create contingency plans to help meet P&L goals.

Retail Firm October 2004-September 2006
Manager Analytics & Modeling

  • Responsibilities in this position include managing a team of analysts to provide analytic leadership for the Sears direct mail program, creating financial models to maximize ROI, generating about $1Billion in annual incremental sales through efficient direct mail targeting.
  • Develop customer contact strategies and mail plans and work with internal and external business partners for campaign execution.
  • Review of cost structure to find opportunities to reduce costs without adversely impacting profitability.
  • Use experimental design to evaluate performance of direct mail offers.
  • Manage test & learn for Sears program for Sears, including designing TV and Radio tests to measure media effectiveness.

A US Bank July 2003-October 2004
Assistant Vice President, Card Products

  • Provide analytic leadership to develop and execute key strategic initiatives for the consumer and business card portfolios.
  • Monitor vendor relationship and third party acquisition channel performance.
  • Identifying key trends and profitable growth opportunities, communicate P&L results.
  • Benchmark key portfolio performance metrics against industry and peer group.
  • Manage the design architecture and implementation of new database used as decision engine to drive marketing initiatives and risk management decisions.
  • Work with Credit Bureau to implement new score cards for account acquisition and portfolio management.
  • Manage vendor relationships to acquire analytic tools for decision management.

Retail Firm 2001-June 2003
Senior ManagerCredit Risk Analytics

  • In charge of analytics for Sears Gold MasterCard, a credit card portfolio of 26 million accounts and $12 billion in receivables.
  • Design experiments to measure benefits of key marketing initiatives.
  • Provide recommendations to senior management based on vintage and other analyses.
  • Work cross-functionally with Risk Management, Marketing and Finance conducting advanced analyses to provide business insights through analyses on the performance on key balance stimulation and other strategic initiatives.
  • Provide on-going input in the strategic planning process of all major marketing initiatives based market research, historical performance and forecasts.
  • Represent Credit Analytics in all cross-functional projects relating to the Sears general purpose credit card portfolio.
  • Coach other associates providing both technical and career development support.

Retail Firm September 2000-November 2001
Technical Lead Credit Analytics

  • Responsible for vintage and balance stimulation analyses for the MasterCard credit portfolio, including convenience check campaign management, and balance transfer initiatives.
  • Estimate lifetime value of credit accounts based risk profiles and acquisition channel.
  • Perform card reissue analyses to help optimize portfolio performance and formulate credit risk policies

Management Consulting Firm August 1998-September 2000
Senior Actuarial consultant

  • Develop loss-forecasting models for Property & Casualty insurers to recommend adequate level of reserves required to pay out claims and meet statutory requirements.
  • Help clients restructure reinsurance contracts to help mitigate losses and improve overall profitability.
  • Create Medical Malpractice pricing manual for Illinois State Mutual Insurance

Insurance Firm August 1996-August 1998
Actuarial Analyst

  • Loss forecasting and reserving.

  • Develop actuarial models to forecast losses for about 20 different lines of insurance and set adequate reserves to settle insurance claims.

Special Skills:

  • Excellent business development and negotiations skills
  • Experience building and managing a high performing team
  • Ability to manage multiple projects simultaneously
  • Working knowledge of SAS, SQL, CART and UNIX
  • Excellent Microsoft tool suite skills: Excel, Visual Basic, Access, Word, PowerPoint