Senorita Baral

About Senorita Baral

I develop strategies and solutions for business problems using data and analytics, and have 10 years of experience across marketing/operations/risk analytics domain. I have been a people leader since 2019 and possess multiple stakeholder management skills. Currently, I’m working at American Express in the central risk strategy team wherein I lead portfolio analytics team for international markets, which is responsible for identifying portfolio trends and proposing appropriate actions for underwriting and line management. Have worked with Citi before this, the last assignment being the Head of Operations Analytics for Consumer Banking in Citi UAE. Have worked with Citibank India and ICICI Bank in marketing analytics roles prior to that. Key projects over the years have included developing data science based algorithms for key metric optimisation (such as revenue generation, customer experience improvement, efficiency gains & controls governance), building sustainable and efficient platforms for analytical delivery, using data visualisation to drive narratives, and employing data automation to optimise efficiency. Winner of multiple group level awards including Citi CEO award for impact (awarded to one person per quarter) & Amex Leadership Excellence Award Q2’22 for defining what winning looks like. Key Skills: Data Analytics, Data Visualization, Strategy Consulting, Machine Learning, Team Building, Multiple Stakeholder Management Technical Skills: SAS, SQL, R, Python, Tableau

Experience

1. Senior Manager

   American Express

   Feb 2022 — Present · Gurugram, IN

   Part of Central Lending Risk Strategy team under Credit and Fraud Risk (CFR) department.\\\\n\\\\nAs part of this role, I currently lead the portfolio analytics team for international markets wherein we’re responsible for identifying credit and growth trends, proposing relevant actions across new accounts, customer and line management, and developing frameworks to capture and manage stress better. Last year, I also managed risk strategy for reactive line increases and consumer loans for international markets in addition to setting up the portfolio analytics team.\\\\n \\\\n\\\\n \\\\n \\\\n\\\\n \\\\n

Education

• Shri Ram College of Commerce

  Bachelor of Arts (BA), Economics, 1st Division (78.8% marks)

  2008 — 2011

• Delhi School of Economics

  Master of Arts (MA), Economics, 73.13% marks

  2011 — 2013

• DAV Public School, Pushpanjali Enclave, New Delhi

  CBSE Class XII, Science with C++, 94.4% marks

  2007 — 2008