Vinayak Gupta

Driving development and oversight of acquisition and portfolio management strategies for Cards Portfolio for top Credit Card Lenders - Cards Analytics: Leading portfolio analytics for Cards credit strategies optimizing P&L drivers, maintaining portfolio health and tracking early warning indicators for proactive credit and pricing actions. - CCAR/CECL Forecasting: Supporting CCAR/CECL Loss forecasting and MRM teams for validation of credit model outputs and management overlays.

Driving AI strategy and product roadmaps for Fortune 500 CTOs/CROs across Financial Services, Pharma, and Healthcare. - Lead 15-member cross-functional AI team (Product, Data Science, ML & Data Engineering) delivering enterprise AI platforms. - Generated $10MM+ revenue impact through AI/ML product development and deployments. - Scaled GenAI adoption across 5+ enterprise applications, enabling search summarization and automated insights. - Built deep-learning recommendation engines using knowledge graphs, increasing platform engagement and revenue growth. - Delivered enterprise GenAI platforms powering auto-insights, search summarization, and internal service bots to improve operational efficiency. - Developed ML observability platform with real-time monitoring, cost optimization, and performance visibility across ML products.

- Led Credit Cards Acquisition Strategies for Digital and Cross Sell Channels focused on optimizing Risk Reward returns - Led the development of Credit Strategies through the cycle with evolving Risk Appetite Framework during CoViD 19

- Led Digital Transformation initiative for Credit Products enabling Digital Customer Acquisition and Retention - Driving Business Growth through Product Strategies for Cards and Overdrafts - Led the transformation of Customer Welcome and X-Sell offers - Managed pre-approved credit offer campaigns by increasing the depth of credit approvals

Strategy & Portfolio Leadership - Led Cards & Business Banking acquisition strategy - Optimized start-up underwriting strategy for growth - Delivered CRO insights across Credit portfolio AI / Machine Learning & Data Innovation - Developed Machine Learning Challenger Loss forecasting PD, LGD, EAD models - Developed enterprise risk datasets enabling Credit Risk Modelling and Forecasting analytics - Led 10-member data science and risk team Risk, Regulatory & Model Governance - Developed Enterprise Risk Appetite Framework - Led transition to CECL Allowance framework for Reserve calculation and regulatory submission

Risk Management professional with experience leading CCAR stress testing, regulatory reporting, and portfolio credit risk analytics for $10B+ Mortgage portfolio and datasets covering 10MM+ customers. Risk Management & Regulatory Reporting Leadership - Led CCAR stress testing modeling and reporting (2013–2016), strengthening regulatory governance and capital planning alignment. - Built ERMA architecture powering the Global Risk Dashboard, enabling executive oversight of enterprise risk. - Engineered 9-year risk dataset (~10MM customers) to support regulatory models and credit risk forecasting. - Led validation of FR Y-14Q and FR Y-9C filings, improving accuracy and reducing reporting cycle 25%. - Delivered CRO portfolio risk insights across a $10B credit portfolio, informing Cost of Credit and planning.