Headline

Transformative Data Science Leader | Strategic Advisor in AI & Analytics | Fintech Innovator | Driving Business Impact Across Banking, Retail & E-commerce

About

Strategic leader in Data Science, AI/ML, and Product Analytics with 20+ years of experience driving enterprise-wide AI adoption, product innovation, and data-led transformation across banking, fintech, retail, and e-commerce. Proven expertise in defining and executing AI roadmaps, risk-based pricing and customer analytics, marketing optimization, and business growth strategies. Led the development of AI-driven fintech and analytics platforms, People-Lend, translating complex business challenges into scalable, value-generating solutions. Skilled in building high-performing teams, driving cross-functional alignment, and embedding data-driven decisioning into core business functions to enhance profitability, efficiency, and customer experience. Passionate about advancing responsible AI adoption and delivering measurable impact through strategic data leadership.

Location

Bengaluru

AI stack

gemini

ChatGPT

Work experience

Building the Next at Self-Employed, Sep 2024 - Present · 2 yrs 1 mo

Head of Data Science at Croma, May 2022 - Jun 2024 · 2 yrs 2 mos, Bengaluru, Karnataka, India, Spearheading the establishment of Croma’s enterprise Data Science & AI practice to drive data-led transformation across retail functions. Defined the organization-wide AI roadmap and strategy, identifying key business challenges, data maturity gaps, and opportunities for intervention. Designed and implemented solutions across pricing, marketing, inventory, and customer analytics to improve profitability, efficiency, and customer engagement. Collaborating with C-suite leadership to secure board approvals, allocate budgets, and embed AI-driven decision-making into core operations.

Head - Predictive Modelling, Kapitus India at Kapitus, Jul 2021 - Apr 2022 · 10 mos, Bangalore, Developed advanced CLTV-based models to optimize media spend, acquisition, and retention strategies. Collaborated with cross-functional teams and engineered customer behavior features and built channel-level predictive models using bureau and internal data to drive precision targeting and ROI improvement.

Co-Founder at People-Lend, Dec 2016 - Jun 2021 · 4 yrs 7 mos, people-lend.in, Founded and built People-Lend, an AI-powered fintech platform connecting borrowers and lenders for unsecured loans. Designed the product architecture and business model to embed AI/ML frameworks directly into product design and operations, ensuring intelligent, data-driven decision-making across the lending cycle. - Developed three proprietary AI engines to assess borrower risk, align it with lender risk appetite, and manage portfolio risk through real-time insights. - Created a risk-based pricing and credit scoring model, enhancing portfolio ROI, reducing default probability, and enabling personalized borrower-lender matching. - Led product strategy, design, and go-to-market execution, integrating predictive analytics into user experience and operational workflows. - Partnered with technology, analytics, and compliance teams to ensure regulatory alignment (KYC/AML), platform scalability, and secure data management. - Established the AI strategy and data roadmap, positioning People-Lend as a next-generation digital lending ecosystem leveraging responsible AI.

Head - Pricing Analytics at Snapdeal, Nov 2014 - Aug 2016 · 1 yr 10 mos, Greater Delhi Area, Established and led the Data Science & Analytics practice at Snapdeal, driving AI-led transformation across pricing, marketing, and customer experience functions. Defined the enterprise-wide data strategy and roadmap, aligning business objectives with analytics maturity and operational goals. * Built AI-driven pricing optimization models that increased profitability by 7% and overall profits by 219%, while maintaining sales volumes. * Developed elasticity-based pricing engines to improve campaign efficiency and reduce dependence. * Partnered with CXOs and business unit heads to integrate data-driven decision-making into category management and customer retention. * Scaled a cross-functional team of data scientists and analysts, fostering a culture of experimentation, model deployment, and measurable business impact. * Designed real-time recommendation systems and predictive models to enhance product discoverability and customer engagement.

Education

CXO Leadership Program, Management, Cornell University

MBA, Management, Faculty of Management Studies - University of Delhi