Puneet Kumar

Experience

1. Assistant Manager

   American Express

   Jun 2023 — Present · Gurugram, IN

   US Consumer Lending - Proactive Line IncreaseDevised account and customer level line capping criteria achieving ~10% incremental Line increase fulfilments annually for US Consumer Lending portfolio • Analysed Risk vs Revenue trade-off driving 20% increase in Pre-Tax Income (PTI) annually of PLI program to address higher credit need for low risk customers• Attained a 132% increase in average Revolve balance with higher Amex`s share of wallet of most premium card members• One of the highest single revamp strategy PTI impact in Consumer Lending portfolio in the history of AMEXAlternative payment capacity evaluation post the decommissioning of existing customers` allowable maximum exposure for an accepted level of risk• Achieved US$ 6.1M Write-Off savings by deriving payment capacity of customers basis income, debt & credit risk model scores• Improved loss coverage by swapping In customers with 16% lower risk than swapped out customers in line increase program• Optimized eligibility for segment with risk score model underprediction driving high PTI with improved Loss Coverage | Automated PLI Lending Dashboard to review MoM performance• Performed Income Impact Analysis to drive contract negotiations with Equifax• Revamped Proactive Line Increase MIS to make it more user friendly and capture early trends and insights at portfolio level• Evaluated the impact of Restarting Student Loan payments on lending due to drop in customer’s debt capacity

Education

• Thapar Institute of Engineering & Technology

  Bachelor of Engineering - BE

  2014 — 2018

• Indian Institute of Management Ahmedabad

  Master of Business Administration - MBA

  2021 — 2023