Nikita Chhajed
Manager, Marketing Analytics & Credit Strategy | Attribution Modeling | Experimentation | Capital One
- Role
- Manager at Capital One
- Location
- Plainfield, IL, US
- LinkedIn followers
- 500 followers
About Nikita Chhajed
Marketing Analytics & Credit Strategy leader with 10+ years driving measurable revenue and risk impact across financial services.Currently Manager at Capital One, I build attribution models, credit strategies, and experimentation frameworks that influence $1B+ in marketing and portfolio decisions — including direct management of $900M+ in credit exposure.Specialties:• Multi-touch attribution (Shapley, Markov Chain, custom frameworks)• Incrementality testing — A/B, geo-based, conversion lift, brand lift• Credit risk & portfolio strategy• Churn prediction & customer lifetime value modeling• Marketing ROI optimization & media mix analyticsAcross Capital One, Discover, DISH Network, and CUNA Mutual, I\'ve deployed ML models, built AWS-based analytics pipelines, and translated complex outputs into decisions that move P&L.What sets me apart: I don\'t just build models — I operationalize them, influence executive decisions, and ensure governance and regulatory alignment.Open to conversations around marketing science, credit strategy, experimentation, and data-driven transformation.
Experience
Manager
May 2025 — Present · Chicago, IL, US
Led acquisition credit strategy for Discover\'s Student card portfolio, designing underwriting frameworks managing $900M+ in annual originations while optimizing growth, approval rates, and loss performance• Incorporated alternative and behavioral data into decisioning models, driving a 15% increase in credit line exposure while maintaining delinquency and charge-off targets• Developed a layered fraud risk strategy using composite risk indices and multi-source identity verification, delivering $10M in annual savings with no impact to approval velocity• Built scenario-based forecasting models to assess policy changes and support executive capital allocation decisions
Education
University of Illinois Chicago
Master of Science (MS), Business Analytics
2016 — 2017
MIT College Of Engineering
Bachelor of Engineering (B.E.), Information Technology
2009 — 2013
Skills
- Gephi
- Hyperion Planning and Essbase
- Microsoft Powerpoint
- Javascript
- Data Analysis
- Microsoft Excel
- Datastage
- Spark
- Mysql
- Sql
- Informatica
- C
- Rapidminer
- Pl/Sql
- R
- Xml
- Java
- C++
- Business Analysis
- System Testing
- Microsoft Office
- Html
- Core Java
- Testing
- Oracle
- Requirements Analysis
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