DIYA LULLA
Naperville,IL
Summary
Dynamic finance leader with extensive experience at CitiBank, specializing in risk analytics and management. Proven track record in optimizing loss performance and enhancing portfolio management through innovative forecasting techniques. Adept at cross-functional collaboration, driving strategic initiatives that resulted in significant revenue growth and improved operational efficiencies.
Overview
17
17
years of professional experience
3
3
Certification
Work History
Vice President – Credit Portfolio Risk Manager – Unsecured Lending
CitiBank
, IL
06.2023 - Current
- Lead the ECM Balance Consolidation Program, expected to generate $10.7 billion in 2025 annual sales and ROTCE of 45%, while grounding the loss performance 2-year loss rates to under 3% within approved risk appetite frameworks and approved benchmarks, especially during a recessionary macroenvironment.
- Fronted the consolidation of credit risk criteria across multiple fulfillment channels and established a centralized change management system. This increased 100% visibility of funnel blocks and allowed for transparent escalations and efficiencies.
- Introduced risk back-end control to create a $16 million Net Credit Loss save annually. This quintessential strategy is distinctive, and the first of its kind to establish controls for losses arising from deteriorating profiles during fulfillment.
- Optimizing policy using complex credit loss and financial risk forecasting models to improve loss performance, leading to a 3-year NCL of 2.67% (20% reduction).
Assistant Vice President
CitiBank
IL
08.2022 - 05.2023
- Design analytical processes in Tableau and Excel using SQL for Citi’s transformation efforts with the focus on strategic planning, loss forecasting, Cost of Capital Analytics.
- Leverage various cross-functional partnerships and networked with key internal and external constituencies like Execution, Finance, Governance and Strategy Teams to successfully release monthly BT campaigns.
- Lead the management and generation of EUCs (End User Computing) used for Portfolio Risk Reviews and Loss Forecasting Analytics.
Program Director – MSc Finance and MSc Investment Analysis
Aston University
UK
01.2021 - 08.2021
- Led the design and delivery of two core postgraduate finance programs, bringing in a yearly income of £450,000 ($560,000).
- Pioneered new modules (Machine Learning in Finance, Cryptocurrencies, Data Analytics with Python) that increased recruitment by 35% and revenues by £157,000 ($190,000) by working with cross-functional teams and in collaboration with deans and heads of department.
- I communicated the growth strategy and vision through compelling, data-supported research and insights to leadership, securing a quick buy-in.
- Collaborated with the Deans, Heads of School, and managed a team of 9 academics to ensure the efficient and effective delivery of teaching programs, resulting in the MSc Finance Program being ranked as the 6th Best Master’s program in the UK and MSc Investment Analysis as 3rd in the UK (EdUniversal Masters Ranking 2021).
Senior Teaching Fellow in Finance
Aston University
UK
06.2020 - 08.2021
- Directed the implementation of various tools, like Excel and Python, within two modules to create reports that identify and forecast financial, as well as market, risk (variance analysis).
- Ranked #1 in the module and teaching evaluations of the department as a result of the successful launch and implementation of the hybrid teaching model.
- Elevated the product offering by incorporating industry-recognized databases and certifications, such as Bloomberg and CFA, resulting in increased student engagement and retention to an astounding 91%, up from 43%.
Program Director – BSc Business Economics
Birmingham City University
UK
04.2019 - 05.2020
- Provided mentorship to colleagues and led the development of Finance and Economics modules across the Business School (2,000+ students).
- Innovated and designed a new postgraduate program: MSc Financial Economics, which would incorporate data analytics, financial econometrics, and coding.
- Provided strategic oversight, as well as operational administration, leading the curriculum development of the Business Economics Program worth £260,000 ($320,000).
Senior Lecturer – Economics and Finance
Birmingham City University
UK
01.2019 - 05.2020
- Mentored colleagues and led the development of data science modules across the Business school (2000+ students).
- Deployed two financial modules – Investment Finance and Corporate Finance to assess various types of risk including credit risk, liquidity risk, and financial risk among others.
- Collaborated with educators to rebalance classes, increase resource utilization, and integrate coding into modules.
Lecturer – Economics and Finance
Birmingham City University
UK
01.2018 - 12.2018
- Developed course materials for diverse academic subjects and learning styles.
- Delivered engaging lectures to enhance student understanding and participation.
- Coordinated assessments to evaluate student performance and comprehension.
- Collaborated with faculty on curriculum development and program improvement.
Instructor - Finance and Economics
University of Wollongong
U.A.E
01.2009 - 12.2015
- Facilitated discussions to encourage critical thinking among students.
- Organized workshops to promote academic skills and resources.
- Adapted teaching methods based on the physical, emotional and intellectual capabilities of students.
Education
PhD - Finance
Aston University
UK03-2020
MSc - Applied Finance and Banking
University of Wollongong
UAE04-2010
BSc - Business Administration
University of Wollongong
UAE04-2008
Skills
- Risk analytics and management
- Credit risk forecasting
- Loss performance optimization
- Portfolio management
- Cross-functional collaboration
- Portfolio optimization
- Quantitative analysis
- Financial modeling
- Strategy development
- Forecasting techniques
- Data science methodologies
Certification
- IBM Data Science Professional Certificate, USA, 2022
- Data Analysis with Python, Coursera
- Python for Data Science, AI & Development and Machine Learning, Coursera
- Python Project for Data Science, Coursera
Accomplishments
- Top Graduate Student in my Masters and Bachelor's Degree
- Holder of 100% Academic Excellence Scholarship for both my Masters and Bachelors Degree.
Timeline
Vice President – Credit Portfolio Risk Manager – Unsecured Lending
CitiBank
06.2023 - Current
Assistant Vice President
CitiBank
08.2022 - 05.2023
Program Director – MSc Finance and MSc Investment Analysis
Aston University
01.2021 - 08.2021
Senior Teaching Fellow in Finance
Aston University
06.2020 - 08.2021
Program Director – BSc Business Economics
Birmingham City University
04.2019 - 05.2020
Senior Lecturer – Economics and Finance
Birmingham City University
01.2019 - 05.2020
Lecturer – Economics and Finance
Birmingham City University
01.2018 - 12.2018
Instructor - Finance and Economics
University of Wollongong
01.2009 - 12.2015
PhD - Finance
Aston University
MSc - Applied Finance and Banking
University of Wollongong
BSc - Business Administration
University of Wollongong
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