Samueljohn Isonline

Accomplished FICO Blaze Lead with over 12 years of experience in digital product development and decisioning solutions. Proven ability to lead cross-functional teams, configure complex policies, and drive the implementation of FICO DM and RMA across diverse lending products. Expertise in rule engineering, integration testing, and collaborating with analytics and IT teams to deliver scalable and secure decisioning platforms.

Seeking to leverage extensive FICO Blaze leadership experience to enhance digital product development at Hyundai Capital.

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.

B-Tech – Karunya University

12th – Abhinav Vidya Mandir

10th – St. Francis High School