12+ years of professional experience in business strategy, analytics and credit risk Comprehensive understanding of consumer lending products and operations Extensive experience in internal consulting projects involving complex quantitative analysis Specialties: Marketing Analytics, Credit Risk, Pricing Strategy, Financial Analysis, SAS and SQL programming

Vice President, Strategic Analytics @ Manage customer analytics projects for $7Bn airlines co-brand credit card portfolio Identify opportunities to drive customer engagement and profitable growth Lead large cross-functional teams to plan and execute portfolio rebrand/conversion strategies From February 2015 to Present (9 months) Wilmington DEDirector, Marketing Analytics @ Lead internal consulting projects to optimize customer loyalty and rewards programs for Barclays $20Bn credit card portfolio Develop business cases and P&Ls to evaluate new business initiatives From February 2012 to Present (3 years 9 months) Wilmington DEProject Manager, Pricing Strategy @ Develop cardmember pricing strategies to drive profitable receivable growth. Analyze customer performance, explain trends in key metrics, and make strategic recommendations to change the business model to achieve profit maximization. Conduct cost/benefit studies to analyze business profitability by customer segments and products. Implement new marketing strategies, leading cross-functional team involving Marketing, Customer Service, Risk, Business Technology and Finance areas. Prepare and deliver results to senior leadership team along with actionable recommendations. From June 2010 to February 2012 (1 year 9 months) Greater Chicago AreaSr. Associate/Project Manager, Marketing Analytics @ Managed internal consulting projects to revamp rewards marketing programs generating $80 million in incremental sales Mentored a team of 6 analysts to develop complex statistical models and ad-hoc analyses Recommended optimal advertising channel mix to reduce annual advertising budget by $200K From March 2008 to June 2010 (2 years 4 months) Greater Chicago AreaSr. Credit Risk Analyst @ Led cross-functional teams to develop and implement credit risk management strategies for a sub-prime mortgage portfolio with $48Bn in receivables Identified different risk levels for delinquent customers by developing segmentation models to save $4MM in delinquency and charge-off Developed loss forecasting models by collaborating with Operations, Finance and external vendors such as Moody’s Economy.com • Analyzed delinquency trends and evaluated the impact of deterioration in certain real estate markets From January 2005 to February 2008 (3 years 2 months) Greater Chicago AreaManager/Co-owner @ Managed vendor relationships and expanded client base to increase sales by 15% within a yearAnalyzed operations data to develop statistical process control standards and to reduce defects by 10%-12% Led an engineering team to install new engineering equipments and to improve the plant lay-out From July 2001 to August 2002 (1 year 2 months) Mumbai Area, India

MBA, Management and Strategy, Marketing @ Northwestern University - Kellogg School of Management From 2009 to 2012 M.S., Industrial Engineering (Operations Research) @ Virginia Tech From 2002 to 2004 B.E., Production (Industrial) Engineering at VJTI @ University of Mumbai From 1997 to 2001 Vishal Morde is skilled in: SAS, Cross-functional Team..., Marketing Strategy, Credit Risk, Marketing Analytics, Pricing Strategy, Consumer Lending, SQL, Internal/External..., Loyalty Marketing, Financial Analysis, Regression Analysis, Big Data Analytics, Enterprise Risk...