Decision Modeler(DM) Developer at Stellantis Financials (2023-08 – Present)
- Spearheaded development and configuration of FICO DM 7.8 for Auto retail lending and SBC products within the Risk Management Team.
- Configured diverse policies encompassing credit, underwriting, fraud, pricing, and subventions.
- Engineered rules, functions, decision flows, decision trees, and decision tables in FICO DM.
- Executed integration testing between LOS DEFI interfaces and DM, alongside FICO DM bulk testing.
- Facilitated the integration of FICO with Autofi and LOS interfaces for seamless inbound and outbound data exchange.
- Managed the implementation of SBC loan products.
- Implemented rules utilizing patterns, quantified expressions, and the rule builder.
- Leveraged REST API for Postman Unit testing.
- Collaborated with analytics teams to define customer segments.
- Partnered closely with the Mulesoft team for data transformation and parsing during Fico JSON request generation.
- Utilized Fico Plor for orchestration of various fraud interfaces including InstantId, Riskview, Clarity, and Sentilink.
- Engaged with Fico for BOS product implementation, focusing on bulk testing and reporting.
- Supported Fico in the implementation of the Hotlist product for handling lookup tables.
- Managed databases including Microsoft SQL for production, staging, UAT application analysis, and reporting.
Risk Control Analyst(C11) at Citi Corp Pvt Ltd (2022-02 – 2023-05)
- Developed and executed risk strategies as a Risk Control Analyst(C11) for the Acquisition Branded Cards portfolio using the Blaze RMA 7.6 application.
- Managed CI CDE flow and integration interfaces data.
- Designed and implemented various strategies for branded cards, different branded card products, and credit strategies in collaboration with the business team.
- Independently managed projects from initial requirement gathering through to production implementation.
- Performed BR Unit Testing in RMA and Sanity Testing.
- Utilized Jira for test tracker suite management.
- Integrated diverse interfaces with the Decision Engine.
- Provided comprehensive support to the testing team to ensure testing completion.
- Developed decision tables, rules, functions, and flows within the RMA framework.
- Created rules for fraud, disaster, credit abuse, and bureau data.
- Executed Lexis Nexis integration with CDE.
- Liaised on rule development for various interfaces including Lexis Nexis, Innovis, and multiple bureaus (Experian, Equifax, Trans Union).
- Applied patterns, quantified expressions, and the rule builder for rule development.
- Collaborated with the analytics team to establish internal scoring models.
- Authored project decision documents and rule reports.
- Implemented diverse Decision Metaphors according to project requirements.
- Proficiently utilized Oracle databases and JavaScript.
- Provided production and UAT support.
- Processed XML for testing FICO rules.
- Supported post-implementation activities and teams following project deployment to production.
Senior Risk Analyst at HSBC (2020-12 – 2022-02)
- Managed and developed risk projects across Asia Pacific, Mexico, and European regions as a Senior Risk Analyst (Manager Level 3).
- Operated FICO Blaze 7.5 and SAS ID decision engines.
- Primarily focused on migrating projects from FICO Blaze 7.5 and Triad environments to the SAS ID environment.
- Collaborated on home loan and personal loan products, as well as projects for Mexico, APAC, and Norway.
- Engaged with various business stakeholders across APAC, Mexico, and Norway to comprehend and implement business policies.
- Analyzed data using COBOL and Triad.
- Utilized maker-checker processes for field mapping.
- Analyzed processed customer data to mitigate risk and managed test cases using the Jira Test Tracker suite.
- Contributed to the development of various project flows within SAS ID.
- Independently executed migration projects.
- Developed internal application scores and managed various decision and rule entities and templates.
- Performed tasks on different templates and debugged rules effectively.
- Authored project documentation.
Senior Manager at Kotak Mahindra Bank (2019-08 – 2020-12)
- Managed and developed FICO Blaze projects across multiple products as a Senior Manager.
- Worked on projects for Two-Wheeler loans, Used Cars, Personal Loans, Business Loans, Loan Against Property (LAP), and Home Loans.
- Configured multiple projects in a highly deliverable environment.
- Integrated the Incentive Management Application with the Business Rule Engine (Blaze).
- Managed RMA configurations.
- Developed various decision entities, rule entities, and templates.
- Resolved runtime errors through effective debugging.
- Utilized Oracle databases and JavaScript.
- Enabled projects within the internal environment.
- Configured ports and implemented whitelisting to ensure access within the Bank environment.
- Developed APIs for integration with other calling systems.
- Worked with SOAP/REST APIs.
Manager at Reliance Commercial Finance (2018-03 – 2019-07)
- Served as a FICO Blaze 7.4 Developer, managing projects for Two-Wheeler Loans, Home Loans, and Digital products.
- Integrated the decision engine with Salesforce.
- Coordinated the integration of the decision engine with various interfaces, including SOA, SAS, and CRM.
- Analyzed, developed, tested, and supported logical business rules within the Rule engine.
- Managed distinct decision entities, rule entities, and templates.
- Integrated the Blaze decision engine with Salesforce CI.
- Debugged rules effectively using breakpoint functionality.
- Managed deployment entities.
- Provided UAT and production support for issues.
Assistant Manager at IDFC Bank Ltd (2017-01 – 2018-02)
- Functioned as a FICO Blaze Developer, managing projects for Home Loans, Personal Loans, Loan Against Property (LAP), and Digital products.
- Integrated the decision engine with R System (front end).
- Managed the integration of the decision engine with various interfaces, including CRM, CIBIL, EXPERIAN, and EQUIFAX.
- Analyzed, developed, tested, and supported logical business rules within the Rule engine.
- Developed distinct decision entities, rule entities, and templates.
- Debugged rules and managed deployment entities.
- Independently implemented Personal Loan and Digital projects.
- Provided UAT and production support.
Application Analyst (Software Engineer) at Fullerton India (2014-04 – 2017-01)
- Developed, analyzed, tested, and supported logical business rules for various products including Home Loan, Mortgage, LAP, HFC, MEL, Commercial Vehicle, Two-Wheeler Loan, Credit Card, Used Car, Personal Loan (Salaried and Self-Employed) within the Blaze environment.
- Designed and developed decision tables, rules, templates, Business Object Models, functions, decision trees, and rule flows in Blaze.
- Debugged rules within the Blaze framework.
- Quickly configured FinnOne HFC rules and integrated Blaze with LOS.
- Performed API testing using SOAP UI for logical, analytical, and transformation layers.
- Executed sanity, regression, and integration testing.
- Provided support in User Acceptance Testing (UAT), Manual Testing, and Production Environments.
- Collaborated with business users to analyze requirements and assess their impact on system functionality.
- Integrated FinnOne with the Business Rule Engine (Blaze).
- Developed various decision entities, rule entities, and templates.
- Resolved runtime errors through effective debugging.
- Utilized Oracle databases and JavaScript.
- Enabled projects within the internal environment.
- Configured ports and implemented whitelisting to ensure access within the Bank environment.
- Developed APIs for integration with other calling systems.
- Worked with SOAP/REST APIs.
- Utilized Defect Management Tools, including Sapphire and JIRA.
- Contributed to projects for ICICI Lombard and Kotak.
- Migrated projects from Omi Decision Engine to FinnOne Decision Engine.
- Integrated Rupee Power (Digital) with the Business Rule Engine (Blaze).
- Provided support in production environments and resolved production issues promptly for FinnOne, Indusapp, and CRM.
- Handled Cibil Support, CRM Support, FinnOne Support, Omni Support, and RupeePower Support.
- Wrote SQL statements (DDL, DML, DCL).
- Collaborated with the Analytics team on the Analytical Transformation layer for CRM & FinnOne and tested associated logic.
- Developed a utility for generating Experian reports.
- Received the Silver Star award twice for outstanding employee productivity.
