PRATEEK SRIVASTAVA

• Supported Citi USPB Unsecured Credit Risk CRO on strategic risk initiatives including growth and loss mitigation strategies, policy risk refinement, risk readiness actions, and process simplification/standardization.
• Co-managed executive communications and senior leadership engagement with the CRO’s Chief of Staff (e.g., MORs, off-sites, macro task force on trade war impacts), delivering insights on investment needs, portfolio headwinds, and long-term strategic plans aligned with business and risk goals.
• Leading a 7-member team supporting the Citi Retail Services CRO and Chief of Staff across portfolio analytics, credit risk oversight, and performance monitoring; drove data-informed decision-making and optimization strategies.
• Conducted market analysis on Gen-AI to identify use cases in credit operations, fraud prevention, and risk simplification, supporting innovation efforts within risk functions.

Citibank N.A.

• Designed and implemented simplification frameworks to strengthen risk policy governance and oversight.
• Monitored macroeconomic and recession indicators to recommend proactive credit strategy adjustments across new originations and existing portfolios.
• Improved straight-through processing (STP) by analyzing referral bottlenecks, implementing resolution strategies, reducing manual interventions, and improving efficiency.

Discover Financial Services

• Revamped underwriting and line assignment strategies for thin-file and valid FICO segments, reactivating under-penetrated populations, and expanding credit prospecting opportunities.
• Developed and deployed a fraud exception monitoring framework to identify disbursement-linked fraud patterns, and enhance overall control effectiveness.

• Supported portfolio analytics for the APAC credit card business by implementing real-time balance growth initiatives and optimizing credit limit assignment strategies.
• Developed portfolio management tactics for EMI product targeting, minimizing cannibalization, and enhancing cross-sell effectiveness within existing customer segments.

• Led 4-person team to forecast P&L for top 25 markets using time-series and boosting models.
• Earned 'Transformer of the Quarter' for accuracy and actionable forecasting.

• Optimized store space and market-penetration strategies to boost omni-channel revenue.
• Increased repeat-purchase rate by 5% using customer cohort analysis (Python, Pandas, scikit-learn).

• Developed statistical models and dashboards for claims analytics.
• Conducted root-cause analysis to resolve system issues across development environments.