Manoj Pal.

E-mail id:- manojpal.dhn@gmail.com

✆: +91 9052584468, 8142247666

PROFESSIONAL EXPERIENCE

Credit Risk Analyst – Business Intelligence Unit (BIU) – ICICI Bank Ltd Feb-2015 – Present
• More than 4 years of experience in Analytics in Retail Banking Domain ranging from Risk Analytics, Portfolio
valuations, rating to credit scoring.
• Responsible for all the Cards (Credit, Debit & Prepaid) analytics, right from Acquisition, Portfolio
Management, Attrition, Credit scoring, Risk and Fraud for ICICI Bank.
• Develop and monitor MIS to track the performance of risk scorecards and strategies including underwriting
criteria and fraud prevention.
• Monitoring of decision strategies, scorecard performance and portfolio MI to provide insights, and influence
business outcomes.
• Strong exposure to formulation of Collection strategies, Stressed portfolio valuations & Pool performance
tracking.
• Recovery Model to predict probability of payment from customers in various areas i.e. settlement strategy,
Pre Delinquency, Allocation strategy
• Extensive experience in creating Credit Loss Projections & Simulation models.
• Support the development of risk appetite across account management , Develop and implement customer
management & collections strategies and policy

Project 1: Risk Score card for Screening new application’s. (SAS – Logistic, Multinomial Regression)
• Pre-application stage (identification of potential applicants), at the application stage (identification of acceptable
applicants), & at the performance stage (identification of possible behavior).
• Forecast the future behavior of a new credit applicant by predicting loan-default chances or poor repayment
behaviors at the time the credit is granted.
• Risk based pricing, Cross-selling- appropriately identified customers can be pre-approved for other products that
may be of interest to them.

Project 2: Pre Approved – Personal Loan On Credit card (WTL & OTL). (SAS – Cluster Analysis)
• Prepare eligible base, credit limit, credit history, Zero documentation, insta processing
• Developed ‘Business Rule Engine’ for instant disbursal, decision making & lead generation.

Project 3: Launch of co-branded credit card (Amazon Pay & Make My Trip), (SAS-E minor)
• Member of core committee of the project on design & implementation of the product in Retail Banking.
• Made test cases to test the implementation. Project implementation successfully for 10 product lines.

Project 3: Credit/Travel card Marketing (Multi Channel Approach) (SAS – Decision Tree)
• Design segmented marketing campaign & promotions for different type of customer. Encourage digital wallet
usage & provide more spending through CLI.
• Identify spending trends, pattern & customer segment to match promotions with right customer & grow usages.
Seasonal spending promotions – timing spending offer to maximize impact.
• Reward earn to promote engagement & encourage adoption

Project 4: Buyer Persona (Identifying Ideal customer) (SAS – Cluster Analysis)

• Generalized representation of ideal customer. Identify customer pattern, know target buyer’s
 • Life cycle stage for higher sales productivity

Project 5: Predictive Risk Model (Statistical technique) (Python – Linear Regression).

• Determine risk level involved on credit from historical/ demographic / geographic information.
• 80~90% of credit default come from 10~20% of lending segment. Profiling risky segment.

Project 6: (Recency, Frequency, Monetary) (R - RFM Model)

• To determine quantitatively which customers are the best ones by examining how recently a customer has
purchased (Recency), how often they purchase (frequency), and how much the customer spends (monetary).
• Using RFM analysis, customers are assigned a ranking number of 1,2,3,4, or 5 (with 5 being highest) for each RFM
parameter. The three scores together are referred to as an RFM "cell". The database is sorted to determine which
customers were "the best customers" in the past, with a cell ranking of "5" being ideal.

Cards Analytics Nov-2015 – Present

• Manage customer analytics for a customer base of a few lakhs

➢ Portfolio behavior analysis (book movement, attrition, sourcing, Inflow Outflow analysis, studying
investment patterns, transaction pattern analysis, channel usage, etc.)
➢ Responsible for strengthening existing clustering based customer sub-segmentation.
➢ Drive and track customer-insight based campaigns with field teams.
• Developed customer insights by analyzing behavior across products and channels & Designed, developed and
tested portfolio/campaign MIS.
• Supported the Affluent customer segment business team by bringing out customer insights convertible to fee
income and incremental NII.

Digital Channel & Investment product Analytics Feb-2015 to Oct-2015

• Maintain overall understanding of digital channels of bank, penetration and usage including trends, emerging
players, and factors that have the potential to disrupt / complement / enhance ICICI’s existing businesses.
• Maintain and develop various routine reports for Digital Channel business & produce ad hoc analyses and
reports for internal customers.
• Effective use of customer data for insight mining to help marketing team develop relevant marketing campaigns
across various platforms like Digital (PPC, Display, Email, website), Social, & call center

EDUCATIONAL QUALIFICATION:

Course Discipline/ Specialization School/college Year of Passing

PG-Diploma PG-Diploma in Banking & Finance ICICI Manipal Academy 2015
B-Tech IT GIET-Gunupur(BPUT) 2013
HSC(12th) Science Loyola School 2009
Secondary(10th) Matric Loyola School 2007

SOFTWARE PROFIECENCY:

TECHNICAL SKILLS

• Tools: - R, Python, SAS-EBI, SAS-VA, SAS E-Miner, Vertica-HP, Tableau, Microsoft Power BI
• Data Mining: - SQL, TOAD, MS Excel with VA

ACHIEVEMENTS

• Promoted to Deputy Manager-Band II in the 3rd year of service post 1 year of successful probation period.
• Was Winner of Compliance Quiz for Feb-2018 & Apr-2018.
• Delinquent base reduced to 6% from 10% with Recovery & predictive delinquency model.
• Revenue per customer increased by 12% by reducing cost factor mechanism

ADDITIONAL INFORMATION

• Date of Birth – 10thMay, 1991

• Languages known – English and Hindi (Read, Write and Speak)