Associate Vice President – Data & Analytics - NatWest Digital Services India Pvt Ltd - Gurugram
(2018-02 - 2025-09)
- Led Significant Risk Transfer (SRT) trade reporting, directly supporting the bank's RWA capital savings requirements and maintaining compliance with internal risk frameworks.
- Spearheaded migration of SAS-based processes from Unix to AWS cloud platform; mapped critical data points, authored and validated SQL queries against AWS tables, and confirmed data integrity against BAU extracts.
- Served as a key subject-matter expert in Risk and Records Management forums, contributing to governance and data quality initiatives across the Data & Analytics function.
- Delivered SAS technical support to Finance teams across the organisation, resolving process issues and ensuring EUDA (End User Developed Application) documentation compliance.
- Managed performance reviews, career development plans, and associate engagement for direct reports, sustaining high team satisfaction scores.
Business Analyst – Level 4 - Barclays Shared Services Pvt. Ltd - India / On-site: Portugal
(2012-09 - 2018-02)
- Owned end-to-end regulatory reporting for Portugal, Spain, Italy, Greece, Germany, and USA portfolios, ensuring timely and accurate submissions to the Prudential Regulatory Authority (PRA), UK.
- Co-designed and implemented a three-member SAS process to extract, reconcile, and present quarterly Risk KPI and delinquency data for PRA submission post the 2008 recession — signed off by the respective Chief Risk Officers. Recognised with a Quarterly Award at Barclays PLC group level.
- Successfully transitioned an entire reporting suite from EXL Inductis to Barclays Shared Services, including an on-site engagement in Portugal (5 weeks), ensuring zero disruption to BAU reporting.
- Automated multiple regulatory and management reports, generating savings of 500 FTE hours annually.
- Onboarded and mentored new team members as the founding analyst on the team, accelerating ramp-up time and establishing best practices.
Manager – Finance Analytics - BA Continuum India (Bank of America) - India
(2011-03 - 2012-08)
- Managed a team of junior and senior analysts supporting data mining requirements for US Cards and Home Loans Finance Managers, consistently meeting and exceeding SLAs.
- Led a cross-LOB automation initiative for Home Loans reporting, delivering annual savings of 2,800 FTE hours — a 100% reduction in manual effort across reviewed reports.
- Conducted monthly portfolio reviews of US credit card data, surfacing actionable trends driven by strategy changes or operational factors for senior stakeholders.
- Founded and chaired a SAS User Community forum across the CSBB India team, improving tool adoption and knowledge sharing.
Manager – US Credit Card Risk Analytics - TCS e-Serve Limited - India
(2008-07 - 2011-02)
- Analysed risk profiles of US consumer credit card holders, partnering with the US Acquisitions team to implement customer acquisition strategies with precision.
- Managed critical credit processes including CREW (Credit Early Warning) and bureau data exchange between client and credit bureaus, ensuring data accuracy and timely execution.
- Automated multiple MIS reports used by US counterparts, reducing manual workload and improving reporting turnaround.
Consultant – Analytics - Genpact India - India
(2007-03 - 2008-07)
- Developed financial models and analytical frameworks across Finance, Asset Management, Operations, and Collections domains to support strategic business decisions.
- Automated routine reports using SAS; the team was recognised with the SAS Innovation Award from SAS Institute Inc., NC, USA.
Senior Insurance Associate – Quality Compliance - EXL Service.com (I) Pvt. Ltd - Noida
(2004-10 - 2007-02)
- Automated life insurance premium calculations using MS Excel, cutting processing time by 90%.
- Maintained MIS reporting and quality compliance for operations, and served as Subject Matter Expert and Process Trainer to enhance team productivity.
Management Trainee - Bajaj Capital - New Delhi
(2004-01 - 2004-09)
- Advised individual clients on mutual funds, life insurance, tax-saving instruments, and detailed tax planning.
Trainee - M/S Khanduja Associates, Chartered Accountants - Allahabad
(2000-07 - 2002-06)
- Conducted audits of government-owned banks and a deemed university; assisted with tax planning for individual and small business clients.
