Udit Kumar Bhola

Udit Kumar Bhola

With over nine years of experience, this professional specializes in data science and artificial intelligence within the asset management and insurance sectors. They have designed and deployed automated analytics products, including document automation and climate risk assessment tools for large-scale investment portfolios. Their strengths include technical innovation in risk mitigation and the application of machine learning to sustainable investing.

Work Experience:

9 Years 3 Months Years

Industry:

Consulting & Strategy, Data Science & Analytics, Finance, Investments

Function:

Operations | Banking & Insurance | Investment Management

Work Experience

AVP - Lead Data Scientist – M&G plc
January 2019 – Present (84+ Months)

Led ideation and development of AI/ML solutions across Private/Public Assets, Investment Research, and Sustainable Investing with onshore exposure in London and Vietnam, navigating diverse cultural/business environments to deliver scalable analytics products

Developed and deployed AI-powered credit note memo automation using Few-Shot Learning, Prompt Engineering, and RAG, reducing 3-day manual TAT to trigger-based near-instant workflow, saving 800+ analyst hours annually and achieving 99%+ accuracy while ensuring regulatory compliance

Built Text2SQL solution with RAG framework and AI-readiness assessment metrics, enabling business users to generate SQL queries via natural language across diverse data products, removing IT dependency

Created Scope 1/2/3 Emission Prediction Tool for £15.6B unreported private assets (RMBS, Social Housing), deployed on Azure Streamlit/Databricks APIs, supporting regulatory reporting and Net Zero commitments, cited in M&G Sustainability Report

Engineered BERT-based ESG scoring analyzing 50K+ quarterly reports/earnings calls plus multi-source (MSCI, Bloomberg, CDP, ISS) ESG/Climate/ABS Power BI dashboards enabling investment research and portfolio optimization

Senior Data Scientist – A.P Moller Maersk, Mumbai
October 2018 – January 2019 (3 Months)

Project Coordinator for Mumbai region Data Science team, delivering analytical solutions across Sales, Marketing, Operations, and Finance to improve KPIs in volumes, sales, and customer onboarding journey

Data Scientist – HDFC Life, Mumbai
August 2017 – September 2018 (14 Months)

Product Owner ideating and delivering analytics solutions suite; led end-to-end product lifecycle working with senior management across departments to translate requirements into production ML systems

Built propensity-to-appointment prediction model reducing calling costs by ₹1 crore/quarter via Apache Kafka deployment for real-time scoring

Designed Policy Surrender Fraud Detection model reducing frauds by 7%; developed churn modeling (Neural Networks), premium/TCO prediction (XGBoost), facial recognition, and customer segmentation systems

Decision Analyst – BSS Engineering Services, Jaipur
August 2015 – September 2016 (12 Months)

Developed predictive energy output models for combined power plants; implemented ML-based preventive/predictive maintenance planning and Power BI dashboards for fuel consumption/resource allocation

 

Accomplishments

1. NASSCOM Responsible AI Award 2024 – Winner for Carbonator Tool (Scope 1/2/3 Emission Prediction Solution) addressing £15.6B unreported private assets

2. M&G Global Stars Awards (London) – Nominated Top 3 in Sustainability Champion category for leading ESG and climate risk analytics initiatives

3. Icon of the Quarter Award Q4 2025 – Recognized for outstanding leadership in AI/ML solution delivery

4. Icon of the Quarter Award Q2 2024 – Honored for Carbonator Tool and ESG analytics contributions
 

Education
  • MBA (Blended)
    Indian Institute of Management, Ahmedabad
    2024-2026
  • Post Graduate Programme in Data Science, Business Analytics and Big Data
    Aegis School of Business & Data Science, Mumbai (IBM Certified)
    2016-2017
  • Post Graduate Diploma in Operations Research Management
    Jaipur National University
    2015-2016
  • B.Tech (Electrical Engineering)
    MONAD University
    2010-2014
Certification
  • McKinsey Forward Learning Programme, McKinsey & Company, 2025
  • IBM Certified Data Science Professional, IBM, 2017
Extra-curricular
  • Industry Expert – Data Science & Analytics
    Upgrad Campus (August 2023 – August 2024) – Developed and delivered flagship Data Science programs as SME
  • Subject Matter Expert
    WhitePanda (January 2020 – January 2021) – Created analytical training content for business houses
  • Subject Matter Expert (Data Science)
    Mumbai University (April 2019 – January 2020) – Served on financial services panel, mentoring students on career transitions using real-world use cases
  • Internal Hackathons – Runner-up twice; Vietnam Prudential Assurance Hackathon – Runner-up for Sales Analytics solution