Manjeet Kumar
Transforming Data into Business Impact | Portfolio & Risk Analytics | Product Management & Lending Strategy | Driving Growth & Insights
- Role
- Assistant Manager at American Express
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Manjeet Kumar
Driving Business Growth Through Data & Strategic Insights Analytics…
Experience
Assistant Manager
Aug 2022 — Present · Gurugram, IN
Analyzed portfolio P&L metrics and Bureau data, uncovering key drivers of spending, lending, and paydown behavior, shaping data-driven decisions for 20+ teams and senior leadership2. Identified a $107M ADB shortfall, using rate-mix and migration analysis to uncover a 123bps rise in Revolver Paydown, driven by high-income & Platinum cardmembers3. Proposed acquisition filter adjustments, recommending targeting low-risk, low-income prospects to optimize balance growth and lending strategy4. Led Generational Analysis, revealing a 136% surge in younger customers with 20% higher reliance on credit-based benefits, influencing Investor Day & Earnings discussions5. Developed a Share of Wallet (SoW) tracking framework, enabling 15+ teams to assess Amex’s competitive positioning across products and customer segments6. Designed a retro-scoring methodology, reducing reliance on external Bureau data and cutting ~$350K in costs, improving internal benchmarking accuracy7. Evaluated Lounge Access Policy, identifying a 30K annual capacity release, and advised against Centurion Lounge restrictions to preserve brand exclusivity
Education
D.A.V. Public School, P.P.L. Township Paradeep
High School
2000 — 2012
D.A.V. Public School, P.P.L. Township Paradeep
High School, Science
2012 — 2014
National Institute of Technology Rourkela
Bachelor’s Degree, Chemical Engineering
2014 — 2018
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