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AI & Transformation Lead-Card Pricing | JP Morgan Chase | ex-Amex

About

I currently work at J.P.Morgan Chase and I am the lead for Card Pricing- Execution for APR and Fee Pricing Initiatives. This includes driving AI transformation for each of the initiatives related to Strategic Pricing like AI-driven identification of impacted customers and remediation of those. We rigorously leverage AI tools and capabilities available within the organisation to develop AI products/features. In my previous role before my maternity leave, I handled the Risk and Profitability strategies around APR and Fees. -For APR, I devise new initiatives/strategies around how we can optimize the Revolve Interest Rates along different tiers across 36 Chase products. This comes with great collaboration with Risk and Card Acquisition Teams. -For Fee, I manage the fee portfolio of Late Fees, Penalty fees, Residual Finance Charge, Balance Transfer Fees, Cash Advance fees, and Forex Charge. I work on enhancing the NPS through fee refund strategies which simultaneously improves our Customer Service on call centres because of lower resolution time. I have worked with American Express as a Product Manager in the Product Personalization team. The team focuses on driving channel expansion along with maintaining higher profitability. My work revolves around delivering product strategies around identifying the pockets where the channel can focus on profitability and drive high growth potential. I have worked as a Senior Business Intelligence Analyst at Dell Technologies, Bangalore. With the help of advanced analytics, we provide recommendations to different departments of the company like finance, marketing, etc. I am a full time MBA from Department of Management Studies at IIT, Delhi with a keen interest in Business Intelligence, Analysis, and Management and Strategic Consulting. I have been a core member of Industry Interaction Committee at DMS, IIT Delhi. I have worked as a Chief Co-ordinator for the Silver Jubilee Reunion of Batch of 1991 and the Alumni Day 2015. Also, I am a Computer Science Engineer and possess keen interest in IT and Data Analytics. Also, I have pursued a 9 weeks internship at Dell Technologies in which I worked on Data Analytics and Business Intelligence to create a compiled Health Index Score to identify the distressed accounts and my work is currently under worldwide implementation at all Dell Solutions for Total Experience Management Solutions. I also possess interests in teaching through which I intend to create an impact on lives of people.

Location

Bengaluru

AI stack

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n8n

perplexity

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Microsoft Copilot

Work experience

Assistant Vice President at JPMorgan Chase & Co., Dec 2023 - Present · 2 yrs 9 mos, Greater Bengaluru Area, At Chase, I handle the Risk and Profitability strategies around APR and Fees. -For APR, I devise new initiatives/strategies around how we can optimize the Revolve Interest Rates along different tiers across 36 Chase products. This comes with great collaboration with Risk and Card Acquisition Teams. -For Fee, I manage the fee portfolio of Late Fees, Penalty fees, Residual Finance Charge, Balance Transfer Fees, Cash Advance fees, and Forex Charge. I work on enhancing the NPS through fee refund strategies which simultaneously improves our Customer Service on call centres because of lower resolution time.

Analytics Manager- Investment Optimization at American Express, May 2022 - Dec 2023 · 1 yr 8 mos, Bengaluru, Karnataka, India, I manage the International Merchant Marketing Analytics & Strategy where I - measure the top markets' performance across the merchant landscape in terms of Merchant Acceptance Behaviour, Perception of AmEx coverage and awareness in customers and further enhance these metrics - propose new strategies, A/B tests, uncover new areas of targeting and generate insights - delivered the Long-term Value metric,in close collaboration with Data Science team for analyzing the long term impact of marketing initiatives - manage a team of three analysts and their career and development goals

Assistant Manager-Offer Personalization Analytics at American Express, May 2021 - Jun 2022 · 1 yr 2 mos, Gurugram, Haryana, India, - Responsible for setting up product personalization capability for new acquisitions bonus offers for US Consumer portfolio. - To strategize roadmap planning and execution of consistency in personalized offers across multiple digital channels - To setup tiered-offering in the PZN product engine that segments the PZN population further into high and low offer groups - To closely monitor the performance and analyzing profitability of PZN active channels.

Assistant Product Manager-Referral Marketing at American Express, Feb 2020 - May 2021 · 1 yr 4 mos, Gurugram, Haryana, India, - Worked on setting up Card Member personalization product path and performed journey analysis to understand the dropouts. - Identified low-performing & poor ROI segments in MGM and setup different welcome offers for acquisition. - Journey Analysis and sprint planning for channel expansion through setting-up new touch-points and reach enhancement.

Data Scientist at Dell Technologies, Jun 2017 - Apr 2019 · 1 yr 11 mos, Bengaluru, Karnataka, India, Services function under Performance Analytics Group Decision Sciences-COE Decision Sciences is a cross-functional team which works with multiple teams and provides their expertise on both technical and business aspects. During my internship with the same team, I worked on "Account Health Index" as a part of "Total Experience Management" project. The project identifies distressed accounts needing Customer Engagement and Support in an account portfolio and hence predicts the future prospective companies with a better Net Promoter Score through statistical tools like R, Excel and reporting tools like Tableau. Being an employee there, as a part of cross-functional characteristic, currently, I am working with Services and Deployment Pricing Team on projects where we identify the correct set of targets in different categories for different lines of business and portfolios to be attached to them; also to identify the correct set of parameters and their combinations which might impact the purchase which as a whole, we term as "Pricing 360". The Performance Analytics Department at Dell helps us find insights and fetch impactful business knowledge with the help of statistical tools like R, Excel, SQL and Tableau which helps us strengthen our predictions and recommendations.

Summer Intern || Senior Business Analyst at Dell Technologies, May 2016 - Jul 2016 · 3 mos, Bengaluru, Karnataka, India, Services function under Dell Global Analytics Division-COE - Identified distressed accounts needing Customer Engagement and Support in an account portfolio - Better PM allocation to focus accounts improving productivity - Predict the future prospective companies with a better Net Promoter Score - Hands on experience on statistical tools like R, Excel and reporting tools like Tableau

Core Member || Industry Interaction Committee at Department of Management Studies, IIT Delhi, Aug 2015 - May 2017 · 1 yr 10 mos, Department of Management Studies, IIT Delhi, - Maintaining synergies between the Institute and the Corporate World - Organizing various conclaves and guest lectures to connect to the Corporates - Responsible for getting sponsors and partners for the various events organized by the committee

Education

Master of Business Administration (M.B.A.), Strategic Management, Supply Chain Management, Data Analytics, IT & Consulting, Indian Institute of Technology, Delhi

Bachelor of Technology (B.Tech.), Computer Science, Guru Gobind Singh Indraprastha University