Pallab Bhattacharya

Key Achievements & Responsibilities:

• Subject Matter Expertise (SME): Led Credit Cards and Personal Loans (CCPL) analytics across Portfolio, Acquisition, Loyalty, Pricing and campaign management as the SME for over 5 years, driving strategy and innovation.

• Team Leadership: Supervised and mentored a global team of 6 staff across Singapore and India.

• AI & Innovation: Spearheaded the bank's first Generative AI project for frontline staff using GPT-4, enhancing operational efficiency.

• Performance Analytics: Designed RM performance dashboards, optimizing payouts and tracking metrics.

• Customer Value Management (CVM): Delivered the award-winning Client Lifetime Value (CLTV) Model , achieving SGD 2M+ incremental annual revenue and winning the CEO Service Excellence Award (2024) .

• Campaign Analytics: Directed CCPL campaigns, integrating machine learning models for customer acquisition, retention, and revenue growth.

• Data Visualization: Championed data democratization by implementing dashboards and self-serve data tools on Power BI, Tableau, and MicroStrategy.

• Revenue Growth: Boosted unsecured loan cross-sell, contributing SGD 1M incremental revenue annually.

• Innovative Solutions: Established real-time decision-making frameworks, segmentation strategies, and analytics models to enhance Credit Card and Personal Loan portfolios.

• Enhanced team collaboration through regular communication, goal setting, and performance evaluations.

Key Responsibilities:

• Gained significant expertise in leveraging credit bureau data to enhance portfolio risk management and client insights.

• Designed a robust dashboard integrating bureau and internal data, enabling data-driven decision-making.

• Developed Probability of Default (PD) and Loss Given Default (LGD) models for retail and rural loans, ensuring Basel II compliance.

• Created behavior risk scorecards to prioritize recovery strategies, improving recovery rates by 15%.

• Conducted bureau data analysis and simulations to optimize interest rates and penal charges for delinquent accounts.

• Forecasted losses for commercial vehicles using time-series modeling and flow rate analysis.

• Performed profitability analyses for mortgage products, supporting product development and portfolio growth.

• Delivered monthly risk and compliance reports, aiding regulatory adherence and strategic insights.

• Responsibilities:
• Generate Basel II capital report, regulatory report, and risk report for retail and wholesale portfolio
• Establish customer acquisition strategies and regularly review credit policies and adjust as needed
• Conduct due diligence evaluation and TSA of the Credit Card portfolio
• Key Contributions / Career Highlights:
• Supported the bank transition into Standard Chartered when Barclay closed the retail business and sold the credit card portfolio to SC; led the due diligence and ensured a seamless transition

• Responsibilities:
• Analyse product attribute and conjoint analysis through Quantum and SPSS
• Analyse the factor and discriminant for segregation analysis of attribute
• Part of the Market Research team to prepare primary data and conduct an initial analysis of variables for future research

• Responsibilities:
• Analyse single and multi factors with the selected financial ratios
• Rate credits for the large corporations and conduct model calibration & validation