Head of Collections and Recoveries Strategy and Analysis for the Credit Card division.Responsible for creating long term strategy and managing an agenda to mitigate credit losses for the Credit Card portfolio that has yearly credit defaults of ~ $3BN per year.

Chief Engineer responsible for leading overall management and operations of various kinds of merchant ships.

* Led the analysis and product development of the company’s Small Business credit card division * Business analyst lead in developing a proprietary Small Business lending product that grew the firms’ market share in this segment by 5% (about 100,000 new customers per year) and resulting in incremental annual NPV of $16MM. * Built new valuation and testing tools using cutting-edge statistical and analytic methods resulting in the addition of 4 new products to the product portfolio.

* Manage P&L for the company’s non-credit card portfolio of installment loans and Small Business loans and lines and credit. Manage all customer management, collections and recoveries functions for a business with $4BN in assets. * Accountable executive responsible for all strategy, product development and loss mitigation operations. * Directly manage a team of managers and analysts and indirectly manage a broader team comprising of statisticians, data analysts and operations managers. * Led a cross-functional team from across different departments within the firm on the Fed Stress Test. Show less

* Managed the credit policy underwriting team for the firms Small Business and Upmarket Credit Card portfolio that extended $2BN in incremental credit and generated $250MM in incremental assets per year. * Revamped existing credit limit extension credit policy with cutting edge quantitative and statistical tools that resulted in incremental $20MM in yearly NPV. * Led the development and implementation of innovative credit limit increase programs based on consumer focus groups and analytic innovations resulting in incremental $12MM in annual NPV. * Directly managed a team of business analysts responsible for their performance and development. Show less

* Leading the business and technology transformation for Capital One’s Credit Card Loss Mitigation business with annual debt collection of ~$1B * Spearheading the change from a mainframe system of record to cloud that enables the enables of next generation of customer servicing, data analytics and strategy * Leading a large cross-functional team comprising of technology, business and data analytics, operations, process engineering, legal and compliance (~40 associates and contractors) Show less

* Head of Strategy and Analysis for Consumer Credit Card Debt Recovery services * Responsible for setting up Long term strategy for a business division with a yearly P&L of $1BN * Led cross functional teams of comprising of Business Strategy Analysts, Operations, Legal and Technology in execution of key strategic imperatives for the division * Directly managed a team of 14 Managers and Business Analysts * Served as the Performance management champion for the division

* Capital One Financial Corporation, incorporated in July 21, 1994, is a diversified banking company focused primarily on consumer and commercial lending and deposit origination. Its principal business segments are Local Banking and National Lending. Local Banking includes consumer, small business and commercial deposits, and lending conducted within its branch network. The National Lending segment consists of three sub-segments: the U.S. Card sub-segment, which consists of domestic consumer credit and debit card activities; the Auto Finance sub-segment, which includes automobile and other motor vehicle financing activities, and the Global Financial Services sub-segment consisting of international lending activities, small business lending, installment loans, home loans, healthcare financing and other diversified activities.