Tonisha Chadha
Analytics Leader | Credit Risk | Customer Insights | Driving Regulatory-Ready Models
- Role
- Senior Manager at Exl Services Ltd
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Tonisha Chadha
A strategic data analytics leader with 14+ years of experience in credit risk modeling, retail banking analytics, and data-driven decision-making for global financial institutions. She has led high-performing teams of 8–10 in delivering regulatory-compliant CECL, PD, EAD, and LGD models, as well as application scorecards across multiple markets. Skilled in SAS, SQL, Tableau, and emerging technologies like AWS and Python, Tonisha excels at aligning data strategy with business priorities, driving operational efficiency, and strengthening client relationships. Recognized with multiple leadership awards, she is now seeking a Vice President role to leverage her expertise in analytics, risk management, and stakeholder engagement to accelerate business growth.
Experience
Senior Manager
Jun 2022 — Present
Lead end-to-end application scorecard development for unsecured loans across four markets, enabling better credit risk decisions. Designed and implemented CECL models (PD & EAD) for credit cards and LGD models for secured loans, ensuring compliance. Built and managed a high-performing team of 8–10, focusing on delivery excellence and mentorship. Strengthened client relationships through effective stakeholder communication and delivery management.
Education
Delhi University
B.A, economics
2005 — 2008
Jawaharlal Nehru Vishvavidyalaya
MA, economics
2008 — 2010
Sofia Public School - CBSE
High School Diploma
Jawaharlal Nehru University
Master of Arts, Economics
Ramjas College, University of Delhi
Bachelor of Arts, Economics
Skills
- Marketing Mix Modeling
- Price Elasticity Modeling
- Sas
- Logistic Modeling
- Statistical Modeling
- Demand Forecasting
- Pricing Analysis
- Data Analysis
- Data Collection
- Spotfire
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