Experience

A career across risk, analytics & product.

2025

Capital One — Fraud Defense, Small Business Banking

Business Manager / Risk Strategy

Led strategic upgrade of Socure Sigma Score V3→V4, recalibrating step-up thresholds and delivering ~$1.4M positive NPV impact.
Developed FY’26 IDT fraud loss budget with scenario-based views for a $2.6M portfolio loss projection.
Implemented risk-based step-up strategy using device and network intelligence, generating ~$0.9M annual NPV uplift.

2023

YABX

Principal Analyst

Managed risk for unsecured lending across three African countries.
Led Zed-Fin lending go-to-market on MTN MOMO in Zambia, targeting ~250K customers.
Expanded the credit strategy to ~1M customers, tripling uptake to ~21% and disbursing ~5.7MM ZMW.
Scaled monthly disbursals in Tanzania and Uganda by 2.5x in eight months and improved repayment by ~7%.

2021–2022

Sprinklr

Senior Product Analyst

Worked with Unified-CXM and enterprise product adoption.
Built an AI-driven validation and keyword-matching tool that cut validation time by 80%.
Improved conversation flow and reduced drop-offs by 40%.
Led HDFC customer-care AI chatbot setup handling 100K+ daily messages.

2019–2021

EXL Service

Consultant

Delivered 10+ fraud mitigation analytics for a leading U.S. bank across three portfolios.
Developed SAS/SQL loss forecasting reporting.
Reduced credit-line exposure report generation from days to one minute.
Analyzed TransUnion Daily Triggers supporting ~$18MM annual loss reduction.
Built portfolio optimization tooling across 2K+ scenarios and 10+ credit segments.

2018

NUS Business School / National University of Singapore

Student Consultant

Designed commercialization strategy for A*STAR robotics projects using insights from industry CEOs and CTOs.