Apr 2025 – Present · 11 mos · Worli, Maharashtra, India · Hybrid

• 1. Geospatial Portfolio Analysis & Scoring: Led development of pin code-level market intelligence using current portfolio, YoY growth, bad rates, and industry metrics to identify top-performing regions for business expansion, driving targeted strategy and resource allocation.
• 2. Renewal via Personalization Framework: Designed and implemented personalized RM nudges using internal app notifications, reducing NPA incidents by approximately 18% by enabling proactive customer engagement for timely renewals.
• 3. Tractor Dealer Strategy Revamp: Created a dealer classification system (Platinum, Gold, Silver) based on internal performance, bureau data, and financial metrics, leading to a higher quality customer base, improved repayment behavior, and increased average sanction size.
• 4. Continued management of high-value campaigns and data-driven business initiatives with direct impact on the loan portfolio’s quality and profitability.

Dec 2022 – Apr 2025 · 2 yrs 4 mos · Worli, Maharashtra, India · Hybrid

• 1.Orchestrated a high impact real-time automated retention campaign, leveraging trend analysis to cut closure rates by 500 bps and achieved a 95% retention rate.
• 2.Analysed customer login journey and rejection trends, recommended targeted ‘Product suggestions’ to cover 300cr. Opportunity loss.
• 3.Analysed utilisation trends and launched a campaign which utilised behavioural scores to identify priority of customers to target via field RMs, AVC and SMS channels to drive up Utilisation by 43% on average.
• 4.Developed and implemented a comprehensive data pipeline by collaborating with business, IT, and data engineering teams, ensuring data accuracy and completeness for an application utilised by field RMs for efficient bulk loan renewals, resulting in 30% reduction in processing time and reduced manual errors.
• 5.Created forecasting model using levers such as branch activation, productivity, closures and utilisation to project year end book which guided field teams with actionable insights on key focus areas to meet targets.
• 6.Launched and automated 8+ cross sell and upsell campaigns generating 200+ Cr. in disbursements.
• 7.Developed and automated a comprehensive product dashboard with KPI tracking for senior leadership’s consumption
• 8.Implemented straight through process for automatic loan renewals, contributing 250+ Cr. in annual loan renewals.