A seasoned banking professional with a specialisation in the retail sector. Over the years, I've taken on key roles in credit risk management, analytics, and product innovation, gaining expertise across every stage of the credit lifecycle. I thrive on leveraging data and advanced analytical techniques to drive strategic decisions and strengthen risk management practices. Currently, I am part of the Risk Strategy team at Wells Fargo, focusing on Small Business credit cards. Prior to this, I spearheaded innovative projects at Experian Housing, crafting transformative products and policies for the mortgage industry. My journey began in India, where I worked with leading organizations like ICICI Bank, InCred Finance, and Paytm before moving to the United States. In addition to being a Chartered Accountant, I hold a degree in Bachelors of commerce from Mumbai University and a Master’s in Business Analytics at Drexel University—a journey that has sharpened my skills and deepened my expertise in the field. Beyond my professional journey, I call New Jersey home. I 'm an avid traveler and a travel content creator, sharing my adventures to inspire others to explore the world. I'm also deeply committed to a personal project close to my heart called “The Real Talk.” Through this initiative, I support international students as they navigate their educational journeys abroad, fostering a sense of community and belonging for those on similar paths.