Tapojit Kumar Shil

Provided strategic direction for clients in designing their risk frameworK, AI integration, model risk management, Operational risk framework, and risk appetite design.

Championed the new CRO model through ownership of all financial and non-financial risks. Drove significant business growth through automation and strategy redesign. Key achievements: • Led all Originations, Account Management, Fraud, Collections, Loss Forecasting, Financial Crimes, RCSA, Issue Management, and regulatory activities for the portfolio • Redesigned end-to-end strategies while building a completely new team of seasoned risk leaders • Migrated 20+ credit and fraud risk strategies in new technology platforms in 24 months • Built a culture of escalation and self-identification of issues - achieved 100% self-ID rate - key liaison between Independent Risk Management and the business • Served in the RCSA review and challenge board for Consumer Lending Risk • Helped develop the product strategy and launched a new product without defects or delays

Led a high-performing team to create a strategic roadmap for data and technology to transform Originations strategies. Successfully led the team through credit pullback and re-entry initiatives during pandemic. Unlocked significant business value by leveraging new ML model and alternative data. Instrumental in renewal of major co-brand contracts. Participated in Project REACh, a financial inclusion initiative led by OCC.

Nominated by senior leadership to take on progressively larger roles to transform risk decision management across products and channels. Created strategic roadmap to enhance risk decision management for Near Prime segment. Delivered significant business growth in underbanked segments by optimizing existing data, which created the foundation for alternative data strategies. Helped mitigate major fraud attacks that rippled through the industry. Led portfolio analytics for CCAR submission. Participated in OCC and CFPB exams and received satisfactory rating.

Responsible for all life-cycle risk strategies for the Sapphire product. Generated over $50MM NPV through underwriting and line assignment tests for optimization. Redesigned key portfolio management strategies to generate significant profitable growth. Led integration of DDA data in Card risk strategies. Instrumental in initial RCSA and Operational Risk framework

Built a Resource Optimization model to allocate ~5,000 collectors across Chase Card Services customer support network in US and Asia. Used linear and non-linear methods to predict variances in schedule behavior, maximizing contact rates. Made significant efficiency gains and improvement in contact rates. Developed an analytic structure for Contact Management area within collections. Worked on building a new strategy to call customers while managing delinquency targets in a recessionary environment.

Built response surface models based on experimental design data for Balance Transfer Optimization. Also built statistical models to predict credit card spend for competitor products. Built an automated forecasting model using offer sensitivity data for investment decisions. Led Decision Science team's technical learning and development agendaDifferent analytical project included chronic non-responders for Direct Mail campaigns, Partner Campaign analytics, and customer-level score development.