Applying Analytics to Credit Strategy
Used SQL and modelling to support credit-limit and collections strategy work.
- Credit strategy
- SQL
- Data modelling
- Collections
- Credit risk
Tejas B
Product at Dezerv
From their time as
Senior Business Analyst
Capital One • 2016 - 2018
Overview
At Capital One, Tejas used data analytics and modelling to support credit-card collections and credit-limit strategy. The work developed his foundation in SQL, credit risk, and macroeconomic analysis.
The Story
Tejas began his career in Capital One's US credit card collections strategy team. He used data analytics to support business strategy aimed at improving collections efficiency.
He later worked on UK credit-limit increase strategy, developing stronger fluency in credit risk, SQL, modelling, and the effect of macro events on portfolio decisions.
The record does not identify individual initiatives or quantified outcomes. It does show a multi-year analytical foundation that later informed his product work.
Ownership Snapshot
Broad role
Business analyst in credit-card strategy.
Goal
Improve collections efficiency and inform credit-limit decisions.
Direct ownership
Data analysis, modelling, and business-strategy support.
Team execution
Worked within US and UK credit-card strategy teams.