Aurangzeb Alam

Responsible for comprehensive portfolio analytics and strategy for pan-India credit card collections, including flow and recovery analytics, roll rate, vintage analysis, and NPA trend monitoring. Lead settlement and recovery strategy design, DPD target setting, credit cost forecasting, and budget variance analysis. Manage vendor costs, optimize cost-to-collection ratios, and monitor vendor performance. Develop and monitor customer scorecards and predictive models using CIBIL and bureau data. Create KPI dashboards and MIS reports utilizing Power BI and advanced Excel for senior management. Demonstrate strong leadership, stakeholder communication, and team mentoring skills. Proficient in SQL, MS Access, and banking collection systems.