---
title: "Ishita Singla - Analytics Consultant in Greater Bengaluru Area | Tal"
description: "Meet Ishita Singla, Senior Analytics Professional | 10+ yrs in Credit Risk, Growth & BI Analytics | Machine Learning + Applied GenAI (RAG, LLMs) | CFA L2 | IIT Roorkee based in Greater Bengaluru Area. AI stack includes antigravity, claude code, and claude."
image: "https://tal.club/meet/ishita-singla/share-image"
---

# Ishita Singla on Tal

## 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

[View the original profile](https://tal.club/meet/ishita-singla)

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