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Maloy Kumar Ghosh is an accomplished professional with extensive experience in statistical modeling and data analysis, currently serving as a Manager at EXL since May 2021. In this role, Maloy has focused on OPA cycles for APAC and EMEA portfolios, managing account-level survival and cohort recovery rate models for CCAR and CECL, particularly implementing the CCAR Cohort Recovery Rate Model and MIA submissions for a key EMEA portfolio of a North American bank. Prior to this position, Maloy worked at Ipsos MMA from March 2018 to May 2021 as a Consultant and Business Analyst, specializing in multivariate modeling for U.S.-based clients and data cleaning processes in SAS. Maloy holds a Master's degree in Statistics from the University of Calcutta and a Bachelor's degree in Statistics from Asutosh College.