Jay is the head of Credit Risk Management for Barclays branded credit card portfolio in the US market. He is responsible for underwriting, line management and other risk management activities for multiple products that Barclays has in the US. He also manages a consumer loan portfolio in South Africa � a joint venture between Barclays and a prominent South African retailer. Before joining Barclays, Jay has worked 9 years for Chase Card services in multiple functions both in Credit Risk and Marketing.Jay has a Ph.D. in Applied Economics from Penn State University and holder of 3 patents in consumer finance. He has a special interest in data mining and econometric modeling of consumer behaviors using traditional and alternative data and methodologies. He has also published research papers in major peer reviewed journals in the US.
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