Sk. Rafi Ahmed

Senior Manager Risk Management @American Express

Gurugram, IN

Managing credit lines for new acquisition with a view to maximize customer engagement and line utility while keeping early delinquencies in check.• Strategic Test Design and Implementation: Spearheaded the design and execution of a large-scale strategic random test for initial limit assignment, identifying key insights into product features, customer behavior, and shareholder value. Led cross-functional collaboration to translate findings into strategic knowledge for feature optimization.• Process Design, Model Development & Innovation: Led strategic enhancements to the initial limit assignment process by integrating innovative insights from random tests and collaborating with modelling teams to develop AI/ML-based profit-maximizing solutions, driving $50M in incremental PTI.• Product Leadership: Led the delivery of key product feature enhancements, viz. embedding POT feature and enhancing POT transaction classification logic, through strategic collaboration with multiple partners. This is projected to generate over $100M in incremental PTI annually. • Team Management: Effectively managed a high-performing team of analysts, promoting a culture of innovation and continuous learning while actively supporting career growth and professional development.

Bengal Engineering & Science University

Bachelor's Degree, Electrical Engineering

Indian Institute of Technology, Kanpur

Master's Degree, Industrial & Management Engineering

Bishnupur Sir Romesh Institution

High School, Science