1. 14.riddhi@gmail.com
Cell : +91 8898898011
1
Riddhi Poddar
Career Snapshot:
About 6 year of experience in Analytics Industry, primarily in Financial Services using SAS as the
primary tool for data analysis.
Experience Summary
Financial Services
Area: Wholesale Banking, Retail Banking, Credit Cards, Credit Operations and Credit Bureau
Vertical: Wholesale, Retail, Collection and Recovery
Exposure in Risk and Collections Analytics:
Most major analytical solution in risk and collections verticals such as delinquency models,
application scorecard, behavioral scorecard, collection scorecards and recovery prediction models
(for Banks as well as for Credit Bureaus) etc.
Exposure in Marketing Analytics:
Exposure in analytical solutions across acquisition (campaign) and life cycle (Activation / re-
activation, Customer Segmentation, E-Commerce, and Merchant Analysis, Cross - Sell, Up – Sell.)
Professional Expérience
TCS, Mumbai, India (Sales)
 Understanding of the Client requirement and then showing him the right path for achieving
it.
 Secondary Research for ALM model implementation tools (Asset and Liability
Management) where identifies the need of it to Bank and its advantages.
 Understanding the market from Card Issuing companies point of view like dashboard
required to present their business, Predictive Analytics if possible, Cards Life cycle,
Competitions Analysis
TCS, Hyderabad, India (Humana Inc., US)
 Currently involves in designing various user friendly Dashboard for tracking the Key
Performance Indicator.
 Understanding of start to end Process and then finding the loop holes and along with the
suggestion, as of now the customer follow a traditional way for Reporting and data entry
with loads of manual intervention so need to suggest the process with less manual error.
 Migrating all the Reports to one Platform i.e. Qlikview for better results and Navigation.
 Automation of the Process
TCS, Mumbai, India (PNC Bank, US)
 Currently involves in designing risk parameters for the federal student loan Asset Class and
to forecast losses for the Comprehensive Capital Analysis and Review (CCAR) process, as
defined by the Federal Reserve Bank and mid-cycle Dodd-Frank Stress Testing (DFAST). It

2. 14.riddhi@gmail.com
Cell : +91 8898898011
2
will also serve as a benchmark model for the ALLL (Allowances for Loan & Lease Losses)
reserve forecasting process. Its design can also be adapted to support other business uses in
the future, as needed.
 Refining of the Tier 1 and Tier 2 Model, the overall purpose of this modeling effort is to
replace IRIS as the methodology for stress testing the C&I portfolio, and to provide a
benchmark for CMM’s stress testing of the CRE portfolio. The sub-model engine (SME)
was designed to calculate forecasts for non-performing loans (NPLs), expected losses
(charge-offs), accounting-specific reserves, and provision.
TCS E-Serve Pvt Ltd., Mumbai, India (Citi Bank, Australia)
 Currently involves in generation and automation of credit operations reports and dashboards
using SAS, Advanced Excel & VBA for various level of management reporting. Objective
of this project is to help to develop a holistic Business Intelligence model for Citibank
Australia Credit Operations through automation of standard MIS, Design & develop
actionable portfolio MIS & dashboards.
 Optimization of the Human Resources for Credit Operation team, so that the maximum
utilization of the Agents can be done.
 Forecasting Technique for the Collection for Bucket 1 to Bucket 6. This will help to identify
the Roll Forward, Roll Loss, Cured, Static, Write-off amount etc.
 Identify the reason for increasing the Cancellation Rate and the measure to reduce it, so that
the customer base is increase.
Fractal Analytics Ltd., Mumbai, India (Feb-2010 to May-2012)
 Development of the recovery volume prediction models for one of the top 3 bureaus in the
world (new product among credit bureaus) using very innovative and high end statistical
procedures
 Development of the collection propensity models for one of the same bureau
 Development of the Activation Model for one of the biggest bank in India
 Complete portfolio segmentation for the biggest private bank in India
 Development of Application scorecards for targeting new customers for one of the largest
private Bank in India.
 Competitive Strategy for the Premium Customer for one of the Biggest Payment Gateway in
the World.
 Analyzed marketing campaign, involving periodic in-depth research and investigation for
the success of the marketing plan(s).
 Activation and usage Increase for Credit cards
 E-Commerce report was generated every month in which e-commerce data were collected
from different countries and were used to produce a report which reflected the performance
of a customer on country level and performance of a category at country level. This report
gave an understanding of the e-Commerce business performance across several countries.
Career Summary
 Lead, Mumbai Centering TCS E-Serve India (November 2015 till date)
 Manager , Hyderabad Centering TCS E-serve India (November 2014 till June 2015)

3. 14.riddhi@gmail.com
Cell : +91 8898898011
3
 Assistant Manager , Mumbai Centering TCS E-serve India (June 2012 till November 2014)
 Senior Analyst, Mumbai Centre in Fractal Analyst Ltd India (February 2010 till May 2012)
Statistical Techniques
 Models
o Regression
o Linear Regression
o Logistic Regression
o Multinomial Logistic Regression
o Classification and Regression Trees
Statistical Tools
 BASE SAS
 SAS EG
 SAS IML
 SPSS
 SQL
 MS Access
 Spotfire
 MSOffice (Excel, PPT, Word)
 Qlikview
 Basic VBA Macros
Educational Summary
 PGDM from Institute of Management & Information Science with Finance & Marketing as
major subjects securing 86 percent (Passing year :- 2010)
 B.Com from Osmania University having Computer (Hons) securing 88 percent (Passing year :-
2007)
 Intermediate from Loyola School, Jamshedpur securing 77% (Passing Year:-2004)
 10th from DAV Public School, Jamshedpur securing 73% (Passing Year:- 2002)
Achievements
 Global Ranking of 57th in business simulation game Capstone.
 Awarded as best student in Post-Graduation & Graduation
 SAS trainer in Fractal Analytics Pvt. Ltd.
 Nominated for Fractal-Lite for the year in 2012
 Induction trainer at Tata Consultancy Services
 Awarded as best TAT for Acceptance Reports in Citi Australia
 Appreciated by Client as quick learner in PNC Bank, US for SAS IML and Basel Norms and
Humana Inc., US for Qlikview and Domain knowledge (Insurance Sector)

4. 14.riddhi@gmail.com
Cell : +91 8898898011
4
Personal Details
Name- Riddhi Poddar
Date of Birth- 4th
April, 1986
Marital status- Separated
Nationality- Indian
Current City :- Mumbai