• Results-oriented risk management and marketing analytics professional with a successful track record of developing winning business strategies and driving transformational projects • Proven cross-functional leader with significant experience in executive communication, relationship/client management and managing an international team • Extensive knowledge in credit card industry with functional expertise in credit risk management, direct marketing and CRM. • Adept at market/competitive assessment, problem definition, issue disaggregation, hypothesis development, analysis and strategy formulation Specialties:Risk Management, Marketing Analytics, CRM, Consumer Finance, Credit cards

Chief Credit Officer, Institutional Risk Europe @ Manage credit risk for corporate products and merchant services in Eurpoe From September 2015 to Present (3 months) Chief Credit Officer Corporate Payment Services for Europe and Asia @ Manage credit risk and drive profitable growth for corporate payment services in Europe and Asia From September 2014 to Present (1 year 3 months) London, United KingdomChief Credit Officer Australia and New Zealand, Vice President @ Lead the risk management function for Australia and New Zealand market managing risk in Consumer, Small business portfolios • Mitigated the high application fraud surge in 2012/13, which resulted in 1.6M loss, by transforming the Identity validation process • Executed an action plan to turn around increasing mid roll rates in the lending portfolio by improving collection effectiveness and AR liquidation for balance parkers saving 5M provision expenses • Lead the development of an institutional risk management framework to underwrite and manage 3.5B of B2B guaranteed commercial deals based on Return on Economic Capital (RoEC) • Enhanced the small business commercial line framework to be a function of expected profitability and customer spend needs thereby generating 10M of incremental profitable spend. • Flawlessly implemented multi-year complex system and process changes driven by regulatory (NCCP 1, 2) and business (David Jones Store card migration) needs and met stringent regulatory expectations • Executed several initiatives to profitably grow acquisitions and AR such as New Accounts re-engineering, Line management test and learn and Balance Transfer for customers and prospects • Implemented several Big Data use cases such as retail partner offer recommendation systems and SBS prospecting • Administered a 100M Debt Sale to realize incremental 3M PTI From September 2010 to August 2014 (4 years) Sydney Area, AustraliaDirector, Risk Management @ • Managed credit risk of 8B Lending on Charge Portfolio through a challenging credit environment and decreased write-offs by 45% via targeted underwriting and customer management actions • Lead the implementation of a real time reactive underwriting capability to enhance controls on unsolicited enrolments using the freshest risk data • Established a world class risk management competitive intelligence team that analyses each issuers risk management strategies and their effectiveness from trade-line level credit bureau data and enables the incorporation of best-in-class practices. From April 2007 to October 2010 (3 years 7 months) Greater New York City AreaDirector, Information Management @ Lead direct marketing analytics to stimulate spend and loyalty on consumer cards • Developed and Leveraged High Wallet Passions and Luxury, a behavioral and geographic segmentation to enhance prospect online acquisition and customer loyalty campaigns • Developed a pilot online Restaurant recommender engine as a digital offering to a web community of restaurant passionates • Developed Brand affiliations, a collaborative filtering algorithm based on transactional data which enhanced Amex display ad targeting on merchant websites and enhanced paid search results of an external search engine • Developed a business plan for a joint ecommerce venture between Amex and a search partner leveraging Amex information assets and the broad reach of partner • Led development of direct mail, CFS response and incremental value models for multiple Fee Service products and an offer/channel and contact optimization engine. Total business impact: $12 MM From August 2002 to April 2007 (4 years 9 months) Greater New York City AreaAssociate @ Formulating and enabling business strategy leveraging emerging technologies • Identified and analyzed Online profitability enhancing opportunities for a large music major by enabling key business objectives like increasing marketing spend effectiveness, reducing cost to serve business partners and electronic content distribution. • Increased Return On Investment of internet marketing budget for an electronics retailer by Search Engine Optimization for organic and paid searches, improvement of email targeting and coordination of online and offline marketing activities • Led an internal knowledge development effort to understand the implications of “Web services/Web 2.0” and advice clients on its value proposition and adoption methodology. • Segmented an e-tailers web traffic into online behavioral segments using click-stream data and recommended a digital strategy for each customer segment From July 2001 to June 2002 (1 year) Hartford, Connecticut AreaTech architect @ Designed and developed web based applications and systems • Chief Technical Architect of Winstar’s E-Commerce portal office.com managing a team of thirty programmers, graphic artists and content experts to build a fully functional e-business in 8 months • Designed and implemented NetTrac (http://www.apllogistics.com), a global supply-chain web application for American President Lines • Conducted Digital Strategy Workshop, in conjunction with senior business executives of a major video rental company, to transform their existing business model and devise an Internet strategy aligned with their operations and goals From 1998 to 1999 (1 year) San Francisco Bay AreaSenior applications manager @ Designed and developed ERP systems for specific industries like government and education • Designed and developed internet based financial applications like Grants Management System (GMS) and Labor Distribution Module to enable efficient management of grants, awards and their distribution to payroll. • Supervised the implementation of Beta release of GMS at Harvard and Yale Universities From August 1996 to March 1998 (1 year 8 months) Redwood shores

MBA, Business @ Columbia Business School From August 1999 to 2001 Masters of Engineering, Environmental engineering and Computer Science @ University of Missouri-Columbia From 1994 to 1996 B. Tech, Civil Engineering @ Indian Institute of Technology, Delhi From August 1990 to 1994 Delhi Public School - R. K. Puram From 1980 to 1990 Prashant Kalia is skilled in: Credit Cards, Analytics, Consumer Finance, Risk Management, Customer Relations, Market Analysis, Direct Marketing, Statistics, Data Mining, Information Management, Collections, Financial Services, Credit Risk, Analysis, Cross-functional Team..., Financial Risk, Credit, Management, Business Strategy, Strategy