MALVIKA Mittal

Energizer
DISC Type : I

Senior Manager - Consumer Credit Risk at Discover

United States

Overview

Malvika Mittal is a senior manager in consumer credit risk at Discover, overseeing a portfolio exceeding $100B in credit cards, personal, and home loans. With over 11 years of experience, she specializes in credit strategy, loss forecasting, and predictive modeling using SAS, SQL, and Python. She holds an M. B. A. from the National Institute of Bank Management.

At Discover, she redesigned underwriting strategies for personal loans, which improved profitability by 16%.

Personality Overview

Enthusiastic

Informal

Imaginative

They are friendly, approachable and love to make new connections.  They are really good at seeing what the long-term impacts of their decisions could be. They are not always early adopters but can be pursuaded by leveraging strong relationships.

Topics They Care About

Credit Risk Strategy
Leads portfolio-level credit strategy across a $100B+ portfolio, focusing on underwriting optimization, segmentation, and risk-adjusted growth.
Loss Forecasting Models
Develops and manages loss forecasting models for delinquencies and charge-offs using advanced statistical techniques across multiple senior roles at major financial institutions.
Portfolio Profitability
Her strategic redesign of underwriting policies for personal loan portfolios at Discover directly improved profitability (PBT) by 16%.

Media Appearances

MALVIKA has no verified media appearances

Work History

9-2024
Senior Manager - Consumer Credit Risk at Discover
6-2024 - 9-2024
AVP - Strategic Analytics -Credit Cards at JPMorganChase
3-2022 - 5-2024
Manager, Collection Analytics & Loss Forecasting Analytics at Oportun
9-2021 - 12-2021
Assistant Vice President - Acquisition Credit Risk Analytics at Wells Fargo
3-2019 - 9-2021
Senior Associate - Credit Risk Strategy and Analytics - Loss Forecasting at Wells Fargo

Education

2012 - 2014
Master of Business Administration (M.B.A.) from National Institute of Bank Management, Pune
Chartered Accountancy- Intermediate from The Institute of Chartered Accountants of India

More Information

Social Presence :

Prographics :

Exp : 10 Location : United States Job Level : Middle Designation : Senior Manager - Consumer Credit Risk at Discover
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Insights For Selling To MALVIKA

During A Call Or A Meeting

DO's

  • Talk about their team and how your product will help them do things better and easier
  • Share some stories about how you you have helped people in similar positions succeed
  • Use phrases like ‘people will love’, ‘massive impact’ etc.

DONT's

  • Avoid cutting into their flow
  • Avoid ifs and buts, don’t talk too much about the risks etc.
  • Don’t push them to make a decision too fast, let them get comfortable first

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with MALVIKA is

  • Relationship and rapport can play an important role, sometimes more than the other factors.
  • Will you ever get a clear answer from MALVIKA

  • They will probably never say no directly, you have to make that decision yourself.

Insights For Deal Planning

    How fast (or slow) will MALVIKA move?

  • They are not the quickest decision makers, their friendly attitude could be misleading.
  • Can MALVIKA take some risk or not?

  • They can accept limited risks, ones that they think will not impact them personally.

You And MALVIKA

Personality Compatibility


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