ayush khare

<p>Led a team of 2 consultants to deliver strategic consulting engagements for payments and credit card clients, managing end-to-end delivery from scoping through executive presentation</p><p> Built an ML based Hidden Affluent Identification model using credit card transactions</p><p> Engineered 3 proprietary features to identify affluent customers banked as personal</p><p> Enabled targeted RM outreach to capture high-value relationships</p><p> Analyzed payment declines and identified that insufficient credit limits on affluent customers with significant AUM drove most declines</p><p> Recommended a shadow limit of 1% AUM value</p><p> Projected to eliminate ~90% of decline transactions</p><p> Quantified $17M annual impact from payment declines</p><p> Drove $500K in incremental Limit Approval Rate (LAR) by optimizing underwriting criteria through off-bank bureau data insights</p><p> Built a bureau-data-driven bankruptcy risk model</p><p> Achieved ~52% improvement in capture rate by precision-targeting a ~30% smaller, higher-quality customer pool</p><p> Monitored a newly launched credit card CVP</p><p> Identified key performance gaps</p><p> Delivered strategic recommendations with a 5-year P&L impact simulation for executive decision-making</p><p> Developed behavioral rules to detect gaming patterns in acquisition offers</p><p> Developed spend- and balance-based customer segmentation to assess portfolio health</p><p> Awarded Visa VCA Innovation Catalyst Award (2026) for driving smarter and scalable ways of working with AI</p>

<p>Developed cloud-native Python stress loss models for CCAR, CECL, Investor Day and Budget</p><p> Forecasted complete Balance Sheet, PPNR and P&L across macroeconomic stress scenarios</p><p> Authored regulatory-grade documentation meeting Federal Reserve and OCC standards</p><p> Executed full model validation lifecycle including sensitivity analysis, back-testing, and recalibration</p><p> Ensured robust model performance across economic cycles</p><p> Served as primary analytical liaison with regulatory agencies</p><p> Prepared model methodology responses</p><p> Supported exam readiness for all credit stress-testing submissions</p><p> Collaborated with Model Governance and Implementation teams ensuring end-to-end model risk management compliance</p><p> Awarded CCB Best Performer of the Year (2024) LOB-level recognition, spanning multiple teams and product lines</p>

<p>Produced and presented Monthly Performance Reports and Annual Operating Plans to senior leadership</p><p> Translated complex financial data into board-ready strategic narratives</p><p> Built multi-scenario statistical financial models forecasting retail deposit trends under base and stressed economic conditions</p><p> Supported capital planning and liquidity management</p><p> Performed large-scale data analysis using SAS EG and SQL</p><p> Identified key business drivers and variance root-causes across millions of customer deposit records</p>