Tapojit Kumar Shil

Credit Line Management

• Responsible for assigning $100Bn in credit lines annually
• Implemented several loss mitigation initiatives through economic stress caused by pandemic
• Driving revenue growth by re-engineering line assignment across all products leveraging new risk assessment tools (e.g., ML, deep learning) in an Agile environment
• Experienced in building and leading global teams
• Strong partnership with Legal, Fair Lending, Compliance, Marketing, Finance, IT to ensure balance of regulatory risk, profitability, and operational expense

New-to-Credit

• Card Risk Management lead for JPMC's $30 Bn Access-to-Credit initiative to address drivers of racial wealth divide
• Responsible for bringing fintech capabilities and alternative data to enhance underwriting strategies for new/thin/damaged credit customers
• Currently working with OCC and major Financial Institutions to mutually share data for improved credit options for customers

Pre-screen Acquisition Strategy

• Redesigned Chase's Retail and Online pre-screen strategies to mitigate emerging risk areas providing $150-200 MM NPV
• Led the team to design strategies for new markets and strategies, and aligned targeting, underwriting, and line strategies for all channels
• Achieved satisfactory rating in all credit review, OCC growth exam, internal audit, and internal QA assessments

• Redesigned legacy process of requesting new attributes at credit bureaus through agile technology requests, saving $6-8 MM per year
  

Card Risk Strategy Oversight

• Helped design an analytical re-certification of every risk strategy within CCB
• Provided significant business results ($180-200 MM NPV) while finding opportunities for process improvement

Life-cycle Risk Management of Near Prime & New-to-Credit Customers

• Improved acquisition volume by 40% by finding expansion opportunities through rigorous risk and profitability analytics
• Helped deliver $26MM/year of first-party loss savings from early delinquencies by creating new customer segmentation
• Led a team to redesign New-to-Credit targeting, underwriting, and line strategies, adding $40+ MM NPV
• Led risk strategies for Near Prime segment generating $100MM+ NPV
  

Integration of Risk Appetite Framework into Risk Decision Management

• Analytic team lead for redesign of Proactive and Reactive Credit Line Increase strategies generating $60-70 MM NPV
• End-to-end redesign of all risk strategies in Card Risk impacting $100+ MM NPV
  

• Led various portfolio analytics & forecasting projects with CCAR modeling team leading to a successful submission
  

• Helped develop underwriting and credit line assignment strategies for Chase Sapphire card generating $30MM NPV
• Led analytic efforts for a cross-line of business strategy to deliver competitive offers to existing firm-wide customers
• Managed Balance Transfer and Chase Offers program for Sapphire product
• Managed high exposure Card portfolio for JP Morgan Private Bank

• Built a resource optimization model to allocate ~5,000 collections specialists saving $6MM in OPEX during the downturn
• managed Drop Day, Contact Management, and Restructured Loan strategies, impacting over $20 MM in loss savings

• Developed response and offer sensitivity models for Balance Transfer Optimization
• Built an automated forecasting model using offer sensitivity data for investment decisions
• Helped build capacity-to-pay and competitor spend models for key segments