Senior Analyst/$73K/Vishal
Current Salary $73K. Living in Illinois. Permanent resident of the US.
Profile
Over seven years of experience in leading high impact projects, across cross-functional teams, with expertise in strategy development, rigorous analytics, decision-making & project presentations. Education includes an MBA with honors, from the University of Texas and Bachelors degree in Engineering. Training includes SAS, mainframe, MS Office, SQL, and spreadsheets.
Experience
Financial Services
Senior Analyst, Unsecured Group, March 2003 - Present
- Built a national level campaign strategy incorporating trade-off between finance group's sensitivity to ROE and marketing group's volume requirements. Optimal solution involved driving pricing wedges in high risk areas to cushion loss of volume. Achieved a net revenue gain of $140 million / year.
- Presented & influenced senior management to follow a strategy of eliminating high sized loan based on their elevated pricing levels. Proposed loan size thresholds with the initiative projecting an estimated $75 million / year reduction in loss exposure.
- Managed sharing of standardized reports & best practices across business groups. Developed standardized scorecards that are extensively used across various groups to evaluate volume, risk and pricing strategies for unsecured consumer lending products.
- Developed methodology for the financial teams to create profitability assumptions for pre-approved programs (response rate, loss exposure) using combination of historical data and forecasted trends for financial modeling.
- Conducted detail analysis for implementing a focused marketing expense allocation using advanced statistical techniques across categories and channels. Resulted in risk neutral 5% lift in response and $37 million / year incremental revenue gain.
Analyst, Unsecured Product Team
- Identified under served "high revenue, low volume" segments driving profitable growth using structured segmentation to meet marketing target. This pre-selected campaigns opened new channel of $180 million / year.
- Built a financial model to flag delinquency tendencies of high risk accounts. Model enabled the development of robust "pre-emptive" strategy, which projected a net income savings of $80 million / year.
- Coordinated and led an offshore team to develop a cohesive reporting platform using various data sources, for senior management to track important metrics of unsecured consumer portfolio. Subsequently acted as a coach to transfer this reporting to offshore office. Enabled FTE saving by 1 week, and the development of proactive response to multiple credit situations.
- Optimized pre-mailing processes by creating standardized auditing platforms. Reduced audit time requirement by 50%.
Business Analyst, UBS Warburg, Stamford, CT November 2002 - December 2002
Responsible for analysis of a $1 billion hedge fund portfolio. Analysis focused on optimizing return from various capital segments.
- Constructed a centralized analytical platform from various data sources to enable detail analysis of returns per risk segment for hedge funds. This encompassed formulating standard metrics in one consolidated report, shared across various investment groups.
Education
University of Texas at Arlington August 1999 - December 2001
Master of Business Administration with concentration in Finance and Strategy
Manipal Institute of Technology November 1993 - August 1997
Bachelor of Science in Chemical Engineering.