Headline

Associate Director, Auto @ Acko | Business Strategy & Transformation | P&L, Pricing & Product | AI/ML | Cross-functional Leadership

About

Business Strategy & Transformation leader with 8+ years of experience across insurance, analytics, AI/ML, pricing, product and operations. Currently at Acko, where I work on Auto business strategy across Car and Bike, spanning P&L, pricing, risk, portfolio optimisation and product strategy. My role sits at the intersection of business, data and technology — translating portfolio problems and market signals into strategy, experiments and scalable execution. Previously at ICICI Lombard, I led Motor Claims Innovation & Strategy, building and scaling AI/ML-led decision systems, automation, digital products and customer-experience interventions. The work involved taking complex business problems from diagnosis and business case development through cross-functional execution and production deployment. Across my career, I have worked on problems spanning: Business Strategy | P&L & Pricing | Product Strategy | Business Transformation | Risk & Analytics | AI/ML | Customer Experience | Process Excellence I enjoy solving ambiguous problems, bringing structure to complex decisions, and working with Product, Data Science, Technology, Operations and business leadership teams to turn strategy into measurable outcomes

Location

Jharkhand

AI stack

claude code

claude

hugging face

openai

Work experience

Associate Director at Acko, Mar 2026 - Present · 6 mo, Bengaluru, Karnataka, India, 1. Lead Auto business strategy across Car and Bike portfolios, spanning Fresh, New and Renewal businesses with focus on P&L, pricing, risk and product levers. 2. Drive pricing strategy and portfolio optimisation using cohort, margin, churn and risk segmentation, supported by controlled experimentation. 3. Lead competitor benchmarking and market-positioning strategy, evaluating price, conversion, premium and loss-performance trade-offs. 4. Partner with Data Science on risk estimation and ML engines, including claim-frequency and severity models, calibration and loss-development frameworks. 5. Own product strategy for new plan tiers and deductible variants, working across Product, Technology, Data Science and Operations from design through post-launch monitoring.

Assistant Vice President at ICICI Lombard, Jul 2022 - Feb 2026 · 3 y 7 mo, Mumbai, Maharashtra, India, Driving digital transformation, ML-led decisioning, and customer experience enhancements for India’s largest motor claims portfolio. Lead cross-functional initiatives with Product, Tech, Data Science, Claims, Underwriting, and CX teams. Key Impact: • Built an ML-based Garage Benchmarking Model, improving claim hygiene and delivering ₹3 Cr/month savings. • Designed an OCR + AI Part & Labour Standardization Engine, strengthening severity estimation and reducing manipulation. • Developed Multi-layer Fraud Propensity Models & Risk Algorithms to improve triaging and underwriting discipline. • Created a Premium Impact Simulator, improving customer decisioning and renewal outcomes. • Launched a DIY WhatsApp Claim Journey, reducing TAT through end-to-end automation. • Implemented Voice Analytics & LLM-based NPS Theme Models for automated VOC insights and performance improvement. • Built a Garage Recommender System improving repair predictability and customer experience. Focus Areas: AI/ML in Claims | Pricing & Underwriting Inputs | Digital CX | Risk & Fraud Models | Automation | Cross-Functional Leadership

Assistant Manager, Analytics and Process at Tata Steel, Sep 2018 - Jul 2020 · 1 y 10 mo, kalinganagar, odisha, Optimized specific energy consumption and developed data-based decision-making systems for Utilities and Power Systems via -Successfully achieved cost savings of 1.6 Crores through the implementation of low-grade energy utilization projects, demonstrating a strong financial impact on the organization -Spearheaded the development of an operational risk-based system for predicting utility requirements, significantly improving resource allocation and cost-efficiency -Successfully achieved cost savings of 1.6 Crores through the implementation of low-grade energy utilization projects, demonstrating a strong financial impact on the organization -Played a pivotal role in reducing client quality complaints by 200% through the implementation of predictive analytics, enhancing customer satisfaction and product quality -Led a team in automating MIS reporting and incorporating predictive risk parameters -Introduced a data lake system for creating interactive Power BI dashboards, improving data visualization and management reporting -Exceeded Power generation target by 3.4% & 5.6% in FY’20&21 leading to savings of 1.5 crores

Assistant Manager at VEDANTA LTD, May 2016 - Aug 2018 · 2 y 3 mo, jharsuguda

Education

PGP, MBA, Indian Institute of Management, Ranchi

Bachelor's degree, Mechanical Engineering, BIT Sindri