Highly accomplished professional with 13+ years of experience in development and implementation of credit risk strategy for optimizing portfolio profitability and keeping risk within risk appetite of the organization. Expertise • Credit risk experience working in US, Canada, Caribbean and Central American market. • FDR , TSYS TS2/TS Prime, Experian Strategy Manager/Probe SDS/PowerCurve , FICO TRIAD, TSYS ADM, CRIF Lending software tools(CrediCheck, RapUP and Decision Assistant), SAS, Knowledge Seeker, Python, SQL, MS Office, dbVisualizer and Toad. • Portfolio management experience in credit card life cycle activities including Acquisition, Cross sells, Marketing, Authorizations, Account Management and Collections along with scoring implementations. • Cross functional team coordination with superior organizational and presentation skills.