Headline

Senior Analytics Professional | 10+ yrs in Credit Risk, Growth & BI Analytics | Machine Learning + Applied GenAI (RAG, LLMs) | CFA L2 | IIT Roorkee

About

I turn data into decisions that move P&L — across banking, lending, and e-commerce. Over 10+ years I've worked the full analytics value chain — for clients across the US, India, and the Middle East: credit-risk and regulatory modeling (CCAR, Basel, PD/EAD), growth and cross-sell strategy, collections analytics, and business intelligence. What that looked like in practice: → 3X lift in personal-loan conversions from an ML-driven cross-sell strategy — 1.2M customers scored, ~350K reached across channels → ~$100M in penalties avoided for a global bank through a large-scale Card Act remediation → ~20% sell-through gain at Cars24 from clickstream-driven assortment and guard-rail pricing → Churn, segmentation, and skip-tracing models that lifted retention and collections efficiency CFA Level-2 · B.Tech, IIT Roorkee. Lately I've been building with GenAI, hands-on: RAG pipelines (hybrid retrieval, vector databases, evaluation harnesses), LLM-powered applications, and prompt engineering. The part I find most interesting is where analytics and GenAI meet — using LLMs to get to insight faster, and measuring whether they're actually right. Open to connecting with people working across analytics, credit risk, and AI.

Location

Greater Bengaluru Area

AI stack

antigravity

claude code

claude

llmapi

ollama

Qdrant

Work experience

Analytics Consultant at NeoStats, Sep 2023 - Jan 2026 · 2 yrs 5 mos, India, Drove personal-loan growth with advanced analytics for a leading UAE bank; mentored a 3-member analytics team. • Achieved a 3X jump in personal-loan conversions via an ML-driven cross-sell strategy — scored a 1.2M ETB marketing base with a random-forest PL-propensity model and reached ~350K customers through targeted call/SMS/push/email outreach. • Grew the PL marketing base by ~45% by inferring salary bands for customers with no reliable income data — a multiclass LightGBM classification model predicting salary bands (selected over Random Forest and XGBoost), scored monthly in production. The expanded base converted at a rate comparable to the original, delivering incremental conversions rather than diluted volume. • Pinpointed high-potential lead segments through advanced analytics, driving a 15% MoM conversion increase. • Built a churn-prediction model across 20K active PL customers for targeted retention, reducing attrition by ~10% in the loans portfolio.

Credit Risk – Collections Analytics & Strategy at CRED, May 2022 - Jul 2023 · 1 yr 3 mos, Bangalore Urban, Supported credit-risk collections through data analytics and strategy. • Streamlined the collections app and content to business requirements, boosting operational efficiency. • Piloted a skip-tracing framework that sourced alternate customer contact data, lifting right-party-contact (RPC) rate by ~10%. • Cut redundant collection effort by introducing exclusion logic for fraud and hardship-program cases, filtering out ~15% of unworkable accounts.

General Manager – Analytics at CARS24, Aug 2021 - May 2022 · 10 mos, Gurugram, Led a 3–4 member analytics team for online used-car sales (~3,000 B2C cars/month across major Indian metros). • Revamped inventory assortment from clickstream demand patterns, improving sell-through rate by ~20%; introduced guard-rail pricing across listing, refurbishment, and procurement costs, saving ~₹2.5K average margin leakage per car. • Increased sale conversion by 15% through targeted campaigns that reduced buyer-funnel drop-offs.

Senior Manager at CARS24, Jan 2020 - Jul 2021 · 1 yr 7 mos, Gurugram, • Launched 'notify me' / 'wish list' features and redesigned the online interface from search-behaviour data to enhance customer experience. • Reduced inflow of cars from cancelled deals using a model-based solution; increased margins by experimenting on selling price and new liquidation platforms without impacting liquidation rate.

Senior Consultant at EXL, Jul 2018 - Jul 2019 · 1 yr 1 mo, PD & EAD model development for the CCAR-2019 submission of a Top-5 US bank. • Led a 2-member sub-team analysing the sensitivity of models and portfolio segments to alternate macroeconomic inputs, ensuring a timely and flawless CCAR submission. • Delivered Basel capital regulatory results for the most volatile retail portfolio in terms of customer risk profiles.

Consultant at EXL, Mar 2016 - Jun 2018 · 2 yrs 4 mos, Remediation & collections analytics for major North American banks. • Identified customers impacted by the Card Act 2009 forbearance-letter changes; coordinated third-party vendor implementation, diagnosed technical misconfigurations, and calculated account-level financial impact since 2010. • Tuned solution conditions to minimise false positives while keeping the truly-impacted population intact — helping save over $100M in penalties. • Improved a Top-5 US bank's collections process via a control-test approach: reduced recidivism and net credit loss per customer, and transformed account-level to customer-level engagement to lower FTE needs and improve CX.

Consultant at MathLogic, Aug 2015 - Mar 2016 · 8 mos, Gurugram, Improved market share of a micro-finance lender using an STP framework. • Built a churn model (random forest, R) and K-means segmentation to set segment-level credit limits, improving customer retention by ~10%. • Designed agent-level non-compliance detection and used fuzzy string matching to identify duplicate customers in the database.

Education

Bachelor’s Degree, Civil Engineering, Indian Institute of Technology, Roorkee