Headline

Senior Analytics Leader | Driving Scalable, Compliant, Profitable Growth | Tech-Driven Visionary | EMBA in Business Analytics-NMIMS Mumbai | BTech-NITK Surathkal

About

🚀 Strategic Marketing & Risk Analytics Leader 📊 🔑 Transformational Insights: Led end-to-end analytics for PL2Auto Cross-Sell, delivering pivotal insights for strategic decisions. 📈 Enhanced Eligibility: Achieved a 28% increase in customer eligibility through pre-screen pricing adjustments, fueling program growth. 💡 Innovative Policy Architect: Pioneered Flexible loan terms, driving a remarkable 340% surge in customer eligibility and impact. 🌐 Market Analysis Expert: Shaped pricing strategies with competitor analysis, aligning us with dynamic US auto refinance trends. ⚖️ Credit Loss Reduction: Lowered credit losses by 20% through data-driven auto refinance underwriting policy optimization. 💼 Smooth Transition Orchestrator: Seamlessly transferred loans to Santander with rigorous quality checks, ensuring minimal disruption. 📊 Data Management Champion: Ensured 100% data accuracy during SAS to SQL migration, boosting data utilization efficiency. 🌱 Strategic Market Research: Led targeted efforts, acquiring $10M new business by identifying potential clients and markets. In my journey, I've catalyzed growth, optimized operations, and driven innovation across marketing and risk analytics domains. My knack for extracting impactful insights, pioneering policies, and steering successful transitions has consistently fueled business expansion and success.

Location

Bengaluru

AI stack

claude

codex

langchain

ChatGPT

CrewAI

Zapier

Work experience

Senior Manager at EXL, Jul 2024 - Present · 2 yrs 2 mos, Bengaluru · Hybrid, 📊 Strategic Lending & Portfolio Analytics Leader: Led end-to-end analytics for Auto Refinance portfolio and cross sell program, influencing pricing, risk, and growth strategy which helped scale portfolio by 150% in monthly issuance while sustaining target profitability. 🚀 Cross Sell Growth & Monetization Driver: Drove cross sell monetization as analytics and product lead from product sizing to launch readiness for PF2Auto and Offer Expired PL2Auto cohorts, unlocking ~$0.5M incremental monthly issuance. 🔑 Cross Sell Eligibility Expansion & Policy Optimization Expert: Redesigned cross sell pre-screen eligibility criteria, pricing frameworks, and underwriting policies which delivered 40% issuance uplift with stable loss performance. ⚖️ Fair Lending & Regulatory Analytics: Delivered fair lending, credit review, and portfolio performance analyses to support regulatory compliance, internal governance, and sustained portfolio stability. 📈 Transformational Credit & Pricing Innovator: Executed high impact credit & pricing initiatives: refreshed scorecards, NDI/DTI enhancements, mortgage debt logic, origination fees, marginal segment expansion. 📊 Executive Reporting Partner: Produced CLO level decks, OCC reporting extracts, executive updates, and BAU governance frameworks tracking policy and pricing effectiveness. 🧠 Advanced Analytics & Insight Leader: Analysed funnel leakage, offer acceptance, performance, decline rules, and competitive pricing; delivered production ready analytics driving portfolio growth, and underwriting decisions. 🛠 Data Transformation & Quality Control: Led SAS to Python migrations and enterprise table transitions with 100% data accuracy, implementing audit ready QC and control frameworks. 🤝 Cross Functional Leader & Trusted Advisor: Partnered with different teams across, and Senior Leadership, translating complex analytics into clear strategic narratives that influenced executive level decision making.

Manager at EXL, Dec 2021 - Jun 2024 · 2 yrs 7 mos, Bengaluru · Hybrid, 📊 Strategic Marketing Analytics Leader: As the driving force behind PL2Auto Cross-Sell analytics, I delivered pivotal insights for strategic decision-making. My end-to-end analytics management empowered data-driven strategies that fueled the channel's growth. 🔑 Customer Eligibility Enhancement Expert: Through strategic pre-screen pricing adjustments, I achieved an impressive 28% increase in customer eligibility for the PL2Auto Cross Sell program. This transformation expanded program's reach and empowered more customers to benefit. 🚀 Transformational Policy Innovator: Pioneering a Flexible loan term policy, I ignited an exceptional 340% surge in customer eligibility. This revolutionary approach not only amplified program impact but also positioned us as an industry leader in auto refinance. 🔍 Market Analysis Visionary: Shaping pricing strategies through comprehensive competitor analysis, I aligned our approach with ever-changing US auto refinance market trends. My market insights guided precise positioning and competitive advantage. ⚖️ Credit Loss Reduction Specialist: Through underwriting policy optimization, I successfully lowered credit losses by 20%. My data-driven approach to risk management enhanced the program's stability and profitability. 📊 Data Management Maestro: Ensuring 100% data accuracy during migration from SAS to SQL tables, I elevated data utilization efficiency. This transition enabled valuable insights for informed decision-making. 📑 Seamless Transition Orchestrator: I led the transfer of forward and back book loans to Santander with robust quality checks. This process ensured minimal disruption, highlighting my prowess in meticulous transition management. 🌐 Strategic Market Research Driver: My targeted market research efforts identified potential clients, contributing to $10M in new business acquisition. I expanded market reach and fostered revenue growth.

Senior Data Analyst at Bright Money, Jul 2020 - Dec 2021 · 1 yr 6 mos, Bengaluru, Karnataka, India, 🚀 Proven Product Success: I orchestrated the triumphant launch of the Credit Builder product, achieving an outstanding milestone of 1000 monthly originations in just 2 months. This rapid success demonstrated my strategic prowess in analysis, policy implementation, and effective market positioning. By meticulously analyzing market trends, customer needs, and product viability, I facilitated an accelerated market entry and garnered significant user adoption. 🗃️ Data Optimization Expert: Recognizing the critical role of data in driving informed decisions, I took the lead in spearheading the implementation of a CDIA-compliant unified credit bureau database. This transformative initiative resulted in an impressive 80% improvement in data retrieval efficiency. By streamlining data access and enhancing accuracy, I empowered teams to extract valuable insights promptly, enabling agile decision-making and more efficient operations. 📈 Growth Acceleration Strategist: To fuel growth, I devised and executed an innovative automated cross-sell strategy, leading to a remarkable 60% surge in customer origination. Leveraging cutting-edge technology, I seamlessly restructured credit card loans for active customers, thereby maximizing revenue potential while enhancing customer engagement. This strategic approach not only expanded our customer base but also streamlined processes, boosting overall operational efficiency. ⚖️ Risk Management Innovator: In the realm of risk management, I introduced substantial improvements by developing and delivering comprehensive monthly credit portfolio analyses to investors. This proactive approach fostered transparency, instilled confidence, and enabled well-informed decision-making. Moreover, I championed the cause of data efficiency by successfully automating the credit customer database. This achievement not only improved data accuracy but also streamlined workflows, enabling teams to focus on strategic tasks and value-added activities.

Data Scientist at KrazyBee, Jan 2019 - May 2020 · 1 yr 5 mos, Bangalore, 🕵️‍♂️ Fraud Prevention Champion: Spearheading effective fraud prevention, I embarked on a transformative journey that revolutionized risk management. I crafted a comprehensive system, leveraging data and innovation to engineer a defence against financial threats. My meticulous analysis and design incorporated 720 network variables, unveiling fraudulent activities worth Rs. 1 crore. 🔍 Data Virtuoso: My data expertise extended beyond fraud prevention. Managing raw data intricacies, I harnessed its potential for actionable insights. Automating 10,000+ credit-related variables, I powered data-driven decision-making, facilitating internal credit scorecard creation. Navigating vast data volumes, I shaped models that influenced prudent lending decisions. 💰 Streamlined Credit Collection: Confronting dynamic credit collection challenges head-on, I optimized processes through an innovative analytical system. Leading its implementation, I achieved a remarkable 70% efficiency boost. Collaborating across teams, I identified bottlenecks and orchestrated strategic enhancements, culminating in streamlined allocation and debtor insights. In sum, my journey underscores my commitment to excellence and innovation. Crafting fraud prevention systems, automating data insights, and enhancing credit collection exemplify my prowess in driving impactful change. I'm driven by a passion for data-driven solutions that resonate across sectors, transforming challenges into opportunities.

Data Analyst at LIVPURE SMARTHOMES PVT. LTD. (Previously Radiant Power Systems), Feb 2018 - Jan 2019 · 1 yr, Bangalore, India, 🔌 Energy Efficiency Innovator: I've revolutionized energy conservation by leading a groundbreaking project that amplified smart inverter efficiency by an impressive 32%. Through strategic AI implementation, I predicted power cuts, enabling dynamic adjustments to curtail energy wastage. This pioneering solution drives environmental sustainability and user cost savings. 📸 Precision Image Recognition: Spearheading a cutting-edge initiative, I achieved remarkable accuracy in recognizing 100+ diverse image classes. Utilizing AI and data methodologies, I harnessed Google Images with an 85% accuracy rate. This showcases both technical prowess and AI's potential in advancing image recognition. In energy efficiency, I unearthed power-cut patterns via AI modelling, enabling proactive adjustments for reduced wastage. For image recognition, I curated and trained models on extensive Google Images data, demonstrating my data prowess and pushing technological boundaries. My fusion of technical prowess and innovation continually elevates systems and tech. In energy and image realms, I've harnessed data and AI to fuel exceptional results, reflecting a dedication to advancing technology for a sustainable future.

Graduate Engineer Trainee at Johnson Controls, Jul 2014 - Jun 2015 · 1 yr, Noida Area, India, 📈 Service Excellence Advocate: Spearheaded a transformative shift in service quality by establishing a centralized database for annual service maintenance records. This strategic move resulted in an impressive 26% enhancement in service quality on a nationwide scale. By streamlining record-keeping, retrieval, and analysis, I contributed to a seamless service experience that left a lasting impact on customer satisfaction and brand reputation. 🗃️ Data Efficiency Enthusiast: Recognizing the value of efficient data management, I pioneered the development of a comprehensive data bank for project-related records. This innovative solution yielded a significant 20% improvement in efficiency across the spectrum of storing, transferring, and versioning project documents and work-in-progress records. By optimizing data accessibility and organization, I facilitated streamlined collaboration, informed decision-making, and heightened project success rates. This accomplishment reflects my commitment to harnessing technology for operational excellence and delivering results that elevate organizational effectiveness.

Education

Bachelor of Technology, Mechanical Engineering, National Institute of Technology Karnataka

Executive MBA, Business Analytics, SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

Public links

youtube.com: https://youtube.com/@bhanudefunde