Director – Data Science & Analytics (Risk Management) (2022-2025)

Led end-to-end analytics and credit risk strategy for a $700M+ digital lending portfolio, owning underwriting, behavioural segmentation, and credit policy optimization. Partnered with Product, Marketing, and CX to drive data-backed growth, counter-offer strategies, and funnel optimization while embedding real-time operational intelligence (FCR, SPD, TTFT). Delivered <8% lifetime losses, 37% YoY acquisition growth, 15% NII uplift, 3% MoM topline growth, and built scalable analytics capability by mentoring 15+ cross-country teams and strengthening data governance.

Director – Data Science & Analytics (BNPL & CX Analytics) (2021-2022)

Spearheaded support, payments, and risk analytics for global BNPL and lending clients, building credit scoring, model monitoring, and drift detection frameworks to enable safe, stable growth. Designed customer service analytics platforms, case-level dashboards, and CX experimentation (A/B testing, chatbot deflection, escalation paths) to improve operational efficiency and service quality. Led 50+ BI, analytics, and data science professionals, delivering 15% operational performance improvement, reduced defaults by 1.2%, and established scalable data foundations as a single source of truth.

Senior Vice President – Retail & CX Analytics (2019-2021)

Drove analytics-led growth across liabilities, cards, POS, and lending by building acquisition, engagement, and lifecycle models using UPI and behavioural data. Owned customer lifecycle, retention, and spend optimization while leading high-impact campaigns and performance reporting. Delivered ₹56 Cr quarterly revenue, 6% monthly revenue growth, 8% MoM portfolio expansion, 23% seasonal spend uplift, and sustained improvements in retention and customer value.

Manager – Data Science & Analytics (2015-2019)

Delivered high-impact data science solutions across fraud, pricing, checkout optimization, and B2B credit allocation. Built models that reduced manual reviews ($300K annual savings), improved checkout conversion (+5% / ~$180K gain), and drove $1M+ incremental annual revenue through pricing optimization. Established a Center of Excellence and led internal analytics upskilling, enabling scalable problem-solving across teams.

Senior Consultant – Data Science (2009-2014)

Applied advanced ML and probabilistic learning to optimize sales outreach and win-back strategies, improving response rates by 17% and generating $60K incremental sales. Delivered customer analytics and monetization frameworks for credit card portfolios, including targeting and campaign effectiveness measurement. Supported strategic decision-making for clients including Siam Commercial Bank by identifying product gaps through customer and category insights.

• Promoted to SVP at IDFC First Bank within 6 months to lead consumer experience
• Converted the theoretical concept of customer genomics into an actionable, revenue-driving product
   

• MBA (General Management), Indian Institute of Management, Ahmedabad, 2024-26
• MS (Information system & Analytics), Northeastern University, Boston 2014-16
• BTech (Computer Science), National Institute of Technology Karnataka 2005-09

• Financial Data Analysis, Indian Institute of Management, Kashipur, 2024
• Risk management & collection analytics, Coursera, 2022
• Introduction to Gen AI, 2024
• AI/ML expert, Coursera, 2017
   

Career mentoring and college speaking for fresh graduates, exploring emerging technologies, non-vegetarian cooking, competitive table tennis, and designing professional-level FPS game strategies.