Joyeeta Deb

Led staff across analytics, professional services, data science, and software teams as part of regulatory risk-focus consulting engagements (IFRS 9/CECL). This involved gap analysis, providing functional oversight for model implementation into proprietary software solutions, and associated strategy consulting to achieve business objectives of “comply and compete”. • Produced insightful IFRS 9/CECL-related portfolio analysis. Advised clients on fundamental strategy changes and business process enhancements to mitigate associated impacts. • Provided guidance to clients in establishing expectations of future losses using proprietary software to iteratively produce scenario-based forecasts based on a myriad of complex impairment models. • Delivered long-range impairment forecasts analyzing historical portfolio behaviors and future growth projections while meeting the client's highly aggressive deadlines. • Drove collaboration and managed global cross-functional teams in achieving critical delivery milestones while ensuring the quality of deliverables. • Defined analytic activities and outcomes of FICO’s analytic consulting services relating to loss forecasting and impairment. • Determined missing analytics and required structural changes to upgrade software solutions for broad client application. • Broke down silos between different client teams to establish project objectives and timelines. Ensured clear, consistent, and regular communications with remote clients to provide engagement, resulting in long-lasting and trusted client partnerships by delivering high-quality results, on-time and on-budget. • Partnered with and educated FICO colleagues to enable language translation for content delivery and feedback exchange with clients. Pre-empted issues and advanced concerns for quick escalation and resolution. • Successfully produced and presented results to C-level executives.

Produced monthly impairment assessments (IAS 39) for one of the largest UK banking clients. Liaised with C-level executives to manage expectations, including generating short- and long-term impairment expectations for budgeting/strategic purposes. • Transitioned model executions to IFRS 9 accounting standards. • Evaluated impacts on provision calculations due to the migration of data from legacy to a new platform. Communicated the implications to critical stakeholders and represented the impairment and loss forecasting team at C-level executive meetings. • Collaborated with technical staff to ensure understanding of existing SAS processes for recoding and rapid testing and implementation. • Completed special projects in response to regulatory and audit guidance to improve impairment coverage for up-to-date customers. Identified high-risk populations and innovated loss provision estimation methodologies that were implemented across the entire credit card portfolio.

Produced management information for the Credit Lending Business in the U.S. using statistical analysis and software packages like SAS. Main activities included data extraction, analysis, and reporting on key metrics while ensuring data validity and accuracy.

Performed Exploratory Data Analysis for Fortune 500 clients following SAS99 to identify anomalies in journal entry transactions and the associated risk of management override and fraud. Developed advance data read-in, manipulation, profiling, and reconciliation routines in SAS/ACL.