Sreejita Bhattacharya

About Sreejita Bhattacharya

I’m a Credit/Marketing Analytics and Risk Strategy professional with 7+ years of experience driving measurable top-line impact across financial services, banking, insurance, and health-care industry. At Citi, specializing in data-driven decision-making, credit risk analytics, and early-stage collections optimization for large-scale consumer card portfolios. I sit at the intersection of strategy, analytics, and execution — turning complex portfolio data into clear business decisions that drive NCL reduction, operational efficiency, and collections effectiveness. I\'ve led and contributed to high-impact initiatives across Branded Cards (including Costco Consumer), CRS (Co-Brand & Retail Services), and Personal Installment Loans. I\'ve built and executed initiatives that span the full strategy lifecycle — from analytics and segmentation to implementation and monitoring. What sets my work apart is the ability to take analytical findings all the way through — from building the model to getting leadership buy-in, navigating governance, and seeing the strategy actually deployed. I\'m drawn to problems that sit at the crossroads of risk, growth, and customer behavior, and I\'m always open to conversations around credit strategy, marketing science, experimentation, and data-driven decision-making.Skills : Snowflake, Redshift, DBT, Dagster, R, SQL, SAS, Tableau, Python, AlteryxMachine learning : Classification, Regression, Clustering, Topic Modeling, Random Forest, SVM, KNN.

Experience

1. Vice President

   Citi

   May 2023 — Present · Chicago, IL, US

   Uncovered significant off-us credit stress signals - including 30K+ revolving balance band growth from 27% to 44% in 12 months - enabling proactive intervention strategies not visible through on-us data alone. Redesigned end-of-term program flow to eliminate manual write-off process for accounts <120 DPD, reducing operational effort and improving collection recovery rates Segmented 67K expired Promo Accounts (~$ 241 MM ENR) by portfolio, risk tier, delinquency bucket, and first-timer vs re-entry status to prioritize collections strategy and reduce charge-off riskTest and RollOut alternative segmentation strategy for Personal Loan Installment accounts using existing scoresTest Can Pay Won\'t Pay and Random selection accounts for effectiveness of pre-litigation letter in pre-charge-off population

Education

• Illinois Institute of Technology

  Master's degree, Electrical and Computer Engineering

  2017 — 2019

• Kalinga Institute of Industrial Technology

  Bachelor of Technology (B.Tech.), electronics and telecommunication egineering

  2011 — 2015