Ameya Hegiste

VP - Credit Risk Strategy & Policy Implementation Senior Manager @Citi

Credit Line Increase • Led end-to-end implementation of Consumer and Small Business Credit Line Increase (CLI) risk policies • Coordinated with cross-functional teams including Risk Policy, Front end IT teams for Customer Initiation through various channels and spear headed decision engine coding, testing and post production teams to execute seamless strategy implementation, increasing execution efficiency by 10% and reducing overall issues by 40% • Led migration of Small Business CLI policies from Legacy to New Decision engine which improved systemic decisioning for 5 products by 20% and reduced manual decisioning by 60% • Oversaw data integration efforts to ensure seamless connectivity between the decision engine and external data sources for Real Time Bureau and Request for More (RFM) functionality, implemented tighter controls which resulted in 20% improvement in data accuracy and decision reliability • Defined and monitored key performance indicators (KPIs) to assess the effectiveness of the decision engine, including approval rates, decline rates, manual referrals and average decision time for all apps Credit Line Decrease & Risk Flags • Led implementation of Citi Cards initiatives targeting ~1.5MM Low Risk Low Utilization customers reducing unused credit line by $13Bn between 2022-24, expected to save $1MM in Total NCL and $50M in TCE and a RoTCE of 12%(over 2-Year period) on unused risk capital • Saved Cards ~50M in Basel Capital which will be utilized in high return programs to increase Credit Line of profitable customers & drive ~100K+ new Customer Acquisitions • Analyzed large volume of customer transaction & billing data, built segmentation models for all High Risk CLD initiatives during financial stressful scenario due to COVID which contributed towards a positive EBIT impact • Technically, managed Decision Engine using PEGA/SAS/SQL coding to systemically action the customers and actively decrease the line of risky customers