Manoneet Singh

• Leading a team of 5 to navigate the $1.5B AR corporate and small business credit portfolios through an uncertain tariffs environment
• Created the recession readiness playbook by surgically identifying $230M vulnerable segments, taking low-regret credit actions on high-priority pockets, planning controls levers across credit functions, and enhancing monitoring reports to track emerging trends
• Driving growth initiatives such as pre-approval campaigns, reactive limit increases, and digital capability launch in partnership with sales, account development, and product teams. On track to grow portfolio by 40% while reducing concentration risk
• Mentoring direct reports and junior team-members to enhance productivity, while inspiring them to become the best versions of themselves

• Proactively identified prospect segments with deteriorating profitability, high credit risk and low affordability. Crafted surgical underwriting solutions to mitigate exposure to these acquisitions. Won buy-in from leaders/partners and drove quick execution ($6.5M of profitability increase)
• Envisioned, conceptualized, and enforced innovative top-of-funnel governance controls to drive consistent high-quality applicants across channels. Influenced and trained marketing partners to regularly self-monitor and escalate, thus driving healthier credit and marketing metrics. Made a business case to senior leaders for globalizing the framework across all international markets ($2.5M of expected profitability improvement)
• Partnerships: Collaborated as credit risk SME with internal/external partners such as:

-Data Scientists: Improved risk models’ performance through incorporation of new data sources

-Compliance/Legal: Enhanced credit risk policies for regulatory compliance (C86, Bill 53)

-Marketing: Implemented new capabilities (pre-approval at acquisition, SSLR, Cross-Sell)

-Credit bureaus: Built relationships, optimized costs and increased process efficiencies

(Promoted from Manager to Senior Manager in Mar 2020)

• Built and mentored a 14-member team to improve collections performance for $90M High Balance Portfolio; defined data-backed procedures, led tracking of operational and credit metrics, partnered with alternate data vendors, and formulated obligor-level strategies resulting in savings of $8M annually
• Actively monitored the external lending landscape and managed development of through-the-cycle analytical strategies around point-of-sale authorizations, case setups, collections, LTV forecasting, and spend assessment. Successfully led the High Balance Portfolio through the COVID-19 downturn ensuring industry-lowest loss rates of below 0.5%
• Led a 2-member team and collaborated with operations, technology, and sales teams to launch Bank-Based underwriting capability, ensured 100% migration of triggers to new tech platform enabling obligor-level underwriting and created enhanced performance tracking reports; led to 11%+ increase in fundamental underwriting coverage and PTI benefit of $3.5M
• Partnered with Chief Credit Officers across Amex international markets to prioritize, analyze and develop most pressing customer management strategies; launched abuse control PoS authorization strategies and early warning alert setups driving $1.5M potential loss savings while minimizing customer surprise across 25 countries
• Created the economic downturn planning playbook for the international corporate portfolio and forecasted operational capacity in different economic scenarios; partnered with operations and finance teams in capacity planning to recommend hiring of 18 customer service specialists across 6 Markets

Fidelity Business Consulting (Management Consultant Intern)

• Led strategic analyses for customer segmentation and competitor research; built financial model and implementation plan for new digital capability that saved $27M annually

Foreman Dynamics (Co-Founder):

• Launched a technology startup aiming to bring big-data analytics to the construction industry

AXA (Actuarial Financial Reporting Analyst):

• Managed forecasting of loss reserves for the insurance business. Conceptualized analytical models for incorporating claims into the capital allocation plans, leading to $6M reporting increase

Aon Corporation (Risk Analyst):

• Provided decision support to insurance clients through analytical projects on portfolio management, risk management, and loss assessment. Received highest performance award