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Carlie Vitae

Shashank Chowdary Gadda

Mobile Phone: 312-420-1230

E-mail: carlie@gmail.com

Summary:
An experienced credit risk manager with extensive experience in small business and consumer lending seeking a mid level management position providing the opportunity for continued development of analytical, communication and interpersonal skills, and making a strong contribution to the organizational goals.

EDUCATION:
The University of Texas at Austin, Texas.
Master of Science, Transportation Systems Engineering, August 2006
Cumulative GPA: 4.0/4.0

Indian Institute of Technology Madras, India
Bachelor of Technology, Civil Engineering, May 2004
Cumulative GPA: 8.86/10.0 (equivalent to 3.62/4.0) - 3rd in a class of 49.

WORK EXPERIENCE:

June 2010 - Present: Manager Credit Policy and Risk, HSBC Bank USA

Oct 2008 - June 2010: Lead Credit Risk Analyst, HSBC Bank USA

Oct 2007 - Sep 2008:  Senior Credit Risk Analyst, HSBC Card Services

Sep 2006 – Sep2007: Risk Analyst, HSBC Credit Card Services

·         Responsible for all credit policy and risk strategies for small business lending including loans, lines of credit, credit cards and mortgages.

·         Managed the small business credit risk team of five people (two onsite and three off-shore analysts) including assigning projects, tracking progress, providing feedback and completing performance reviews.

·         Presented credit risk strategies, analysis and reports to senior management on a regular basis for their approval at the business banking credit committee. Followed through and implemented all the approved strategies on a timely basis working with cross functional teams including marketing, product, finance, operations, legal and compliance.

·         Won the 2010 Chief Risk Officer award and Best Performer in Business Banking for outstanding performance, commitment and influencing without authority in turing around the small business portfolio

·         De-risked the small business lending portfolio during the recession by revamping the portfolio management strategies including segmentation, authorization, credit line decrease and risk based re-price strategies.

·         Developed new and improved strategies for underwriting, line assignment and risk based pricing which resulted in lower credit risk of new loans and made originating new loans more efficient.

·         Developed MIS reporting with both origination and portfolio metrics to give senior management a high level view of the portfolio on a monthly basis as well as have the drill down capability to the most granular detail.

·         Forecasted losses and profitability at consumer segment level using credit usage and risk behaviors for the small business portfolio and several credit card portfolios to optimize origination targeting and underwriting. Developed a new model for forecasting losses based on observed behavior during recession.

·         Supported annual operating plan (AOP)  process by providing projections of receivables, losses and profitability at the portfolio level.

·         Used SAS in Unix, Mainframes and PC environments to extract and manipulate data on a regular basis. Also use Excel macros, pivot tables in analyzing data.

Sep 2004 – Aug 2006 : Graduate Research Assistant, UT Austin

·         Destination Choice Modeling
Modeled destination choice of individuals from the Austin travel survey data using a multinomial logit (MNL) structure. Estimated the impacts of inter-zonal impedance, zonal characteristics, individual and household demographics on destination choice.

·         Ranked Logit Analysis
Modeled rank data questions using rank-ordered logit analysis from “Public Perception of Toll Roads” survey data and made inferences on how individual demographics and residential locations affected their preferences.

·         Advanced Models
Studied and applied advanced discrete choice models involving simulation (Mixed Logit). Working on application of Bayesian methods to departure time modeling, using continuous duration models.

COMPUTER SKILLS:

·         Data Analysis and Modeling Tools: SAS and SPSS

·         Programming Languages: C, C++, and MATLAB

·         MS Office Packages: Word, Excel and Power Point

PUBLICATIONS:

·         “Continuous Departure Time Models: A Bayesian Approach” Transportation Research Record 2132: 13-24 (2009). With Kara Kockelman and Paul Damien.

·         “Estimates of AADT: Quantifying the Uncertainty” Presented at the World Conference on Transportation Research, Berkeley, California (2007). With Kara Kockelman and Atul Magoon.

·         “Public Perceptions of Pricing Existing Roads and Other Transportation Policies: The Texas Perspective” Journal of the Transportation Research Forum 48 (3): 19-38 (2009). With Kaethe Podgorski, Michelle Bina, and Shashank Gadda

ACCOMPLISHMENTS:

·         2010 Chief Risk Officer Award winner for North America Risk at HSBC

·         2010 Best Performer in Business Banking for Credit Risk at HSBC

·         Q2 2009 Key contributor award for exceptional performance at HSBC

·         Graduate Research Assistantship with full tuition waiver from 2004-2006 at The University of Texas at Austin.

·         Ranked in the top 1% of 150,000 students who appeared for the Joint Entrance Exam-2000 for admission into the Indian Institutes of Technology (IIT).

·         Awarded Merit Certificate in Mathematics for being among the top 0.1% of the successful students in the nationwide examination conducted by the Central Board of Secondary Education 1998, India.

POSITIONS HELD:

·         Secretary, Institute of Transportation Engineers (ITE) UT chapter (2005).

·         Modeling Coordinator 2003-04 for Civil Engineering Association, IIT Madras.

·         Student Counselor for 2002-03, Guidance and Counseling Unit, IIT Madras.

·         Captained the Institute weight lifting team of IIT Madras for the year 2003-04.

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