---
title: "Apan Kalra - Assistant Vice President in Mumbai | Tal"
description: "Meet Apan Kalra, Banking Analytics Professional | Decision Science | Risk Analytics | Customer Behaviour Modelling| AI/ML | AVP @Axis Bank based in Mumbai."
image: "https://tal.club/meet/apan/share-image"
---

# Apan Kalra on Tal

## Headline

Banking Analytics Professional \| Decision Science \| Risk Analytics \| Customer Behaviour Modelling\| AI/ML \| AVP @Axis Bank

## About

Banking analytics and decision science professional with 8\+ years of experience leveraging data to solve business problems across risk management, customer analytics, and operational excellence\. My experience spans predictive modelling, early warning systems, anomaly detection, NLP\-driven analytics, and customer intelligence initiatives within the banking sector\. Over the years, I have worked on building solutions that help organizations identify emerging risks, understand customer behaviour, improve customer experience, and drive data\-backed decision\-making\. At Axis Bank, I have developed analytics solutions across large\-scale banking datasets, including salary\-based early warning frameworks, customer propensity models, anomaly detection frameworks, and NLP\-based customer feedback analytics using LDA and LLM\-assisted approaches\. More recently, I have been driving customer experience and AI adoption initiatives as part of the Customer Experience team\. Prior to Axis Bank, I worked with HSBC, supporting commercial banking analytics, automation initiatives, portfolio management, and product launch programs\. My analytics journey began at Mu Sigma, where I worked on machine learning and video analytics use cases focused on customer behaviour and operational insights\. I am particularly interested in the intersection of banking, risk analytics, decision science, and AI, and enjoy solving complex business problems through a combination of analytical thinking, technology, and stakeholder collaboration\. Core Areas: Risk Analytics \| Decision Science \| Customer Analytics \| Predictive Modelling \| NLP & AI \| Early Warning Systems \| Banking Analytics

## Location

Mumbai

## Work experience

Assistant Vice President at Axis Bank, Mar 2026 \- Present · 5 mos, India, \- Contributed to the enhancement of the bank's internal mystery shopping program, incorporating customer experience and operational monitoring perspectives alongside compliance assessments to identify service, process, and branch\-level improvement opportunities\. \- Analysed adoption patterns of the bank's internal AI assistant and workflow platform, identifying opportunities for targeted interventions, training, and feedback mechanisms to improve tool utilisation and customer servicing effectiveness\. \- Conducted root\-cause analysis of sampled current account service interactions drawn from \~25K monthly calls and requests, identifying recurring customer pain points and driving process, system, and AI\-enabled improvement initiatives\.

Senior Manager at Axis Bank, Jul 2022 \- Feb 2026 · 3 yrs 8 mos, Mumbai, \- Developed salary\-based early warning framework across \~10K employer cohorts to identify emerging delinquency risk and enable proactive portfolio monitoring\. \- Built complaint propensity model leveraging \~60 lakh monthly customer interactions to identify customers at risk of escalation and support targeted intervention strategies\. \- Designed NPS prediction framework across \~4 lakh monthly survey responses to identify potential detractors and enable focused customer experience improvements\. \- Implemented an NLP\-driven text analytics solution on 100K\+ customer feedback records using LDA and LLaMA 2 to uncover emerging themes, customer pain points, and actionable insights\. \- Developed anomaly detection frameworks using transaction and behavioural data to identify unusual patterns, potential fraud indicators, and operational risk signals\. \- Led delivery of enterprise onboarding analytics dashboards covering 13 products and 24 customer journeys, enabling leadership visibility into turnaround times and process bottlenecks\.

Assistant Manager at HSBC, May 2019 \- Jun 2022 · 3 yrs 2 mos, Mumbai, \- Partnered with business and analytics teams to translate performance metrics into actionable insights, supporting data\-driven decision making across commercial banking portfolios\. \- Developed analytical frameworks and reporting solutions to monitor key business metrics, improving visibility into portfolio performance and operational effectiveness\. \- Led automation initiatives across recurring analytical and operational processes, improving efficiency by \~90% and enabling faster delivery of business insights\. \- Supported the launch of a supply\-chain\-focused banking solution during the COVID\-19 pandemic, helping address evolving client financing and working capital requirements\. \- Contributed to growth of \~INR 500 Cr in assets through analytics\-supported onboarding, pipeline monitoring, and end\-to\-end sales process management\.

Trainee Decision Scientist at Mu Sigma Inc\., Sep 2015 \- Oct 2016 · 1 yr 2 mos, Bangalore, \- Analyzed video\-based customer behaviour patterns to identify drivers of extended wait times and service bottlenecks, enabling data\-driven process improvement recommendations\. \- Developed and implemented machine learning models in Python to improve customer detection accuracy from \~40% to \~70%, enhancing the reliability of video\-based analytics solutions\.

## Education

Master of Business Administration \- MBA, Marketing, Management Development Institute, Gurgaon

Bachelor of Technology\(BTech\), Computer Engineering, National Institute of Technology Surat

[View the original profile](https://tal.club/meet/apan)

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