Ankit Agarwal

Director of Engineering

Bengaluru, Karnataka, India10 yrs 5 mos experience

Most Likely To SwitchAI Enabled

Key Highlights

Led the development of advanced data products in fintech.
Designed a recommendation engine improving financial decision-making.
Achieved an NPS of 75 for credit score education.

Stackforce AI infers this person is a Fintech Data Science Leader with expertise in AI and machine learning.

Contact

Skills

Core Skills

Artificial Intelligence (ai)Business StrategyMachine LearningRecommendation

Other Skills

ANSYSBusiness AnalyticsBusiness InsightsC++Credit Risk ModellingData AnalysisDecision TreesFraud PreventionMicrosoft ExcelMicrosoft OfficeMicrosoft WordPerformance MetricsPhotoshopPowerPointProblem Solving

About

As a Director at ZET, with over three years of experience in data analytics and science, contributions include building advanced data products and machine learning models that enhance financial product recommendations and approvals. Partnered across teams to design a recommendation engine for credit cards and loans, leveraging over 100 bureau variables to improve decision-making processes. Previously led data science and analytics at ZET, focusing on creating tools and metrics that drove business growth. Built models predicting approval rates for 20+ financial products while empowering cross-functional teams to track key performance indicators effectively. Motivated by a passion for fintech innovation, the mission is to enable intelligent, data-driven solutions that advance organizational objectives.

Experience

Zet (previously onecode)

2 roles

Director - Data Science, AI & Business Leadership

Promoted

Jul 2023 – Present · 2 yrs 8 mos

AI-led Customer Innovation
1. Created a custom AI-powered credit score explainer video (TTS - text to speech + generative pipelines), achieving an NPS of 75, setting new benchmarks for credit score education through customised videos
2. Designed and deployed a GenAI support chatbot using RAG (retrieval-augmented generation) to answer credit queries in real-time, reducing support costs and improving resolution rates
3. Analyzed multimodal customer feedback from voice calls (via STT - speech to text), support emails, and app reviews, applying topic modelling to identify FAQs and root causes of dissatisfaction. Insights drove self-serve solutions and reduced support queries by 30%
0→1 Business Building
1. Conceptualised and launched Zet’s Credit Builder vertical, pioneering a category-defining product for NTC (new to credit) and low credit score users
2. Owned end-to-end P&L, driving adoption, retention, and profitability with sharp focus on unit economics, achieving CM2 positive
3. Led a multi-disciplinary team across product, tech, data science, performance marketing, product marketing, and operations
4. Scaled the business through data-driven acquisition, growth marketing, and cross-functional execution

Artificial Intelligence (AI)Retrieval-Augmented Generation (RAG)Business StrategyTTS

Lead - Data analytics and science

Nov 2021 – Jul 2023 · 1 yr 8 mos

Heading data science and analytics for OneCode. Responsibility includes:
1. Creating multiple data products with PMs and engineers, which impact the north star metric of the company
2. Building recommendation engine of financial products (Credit card and loans), which involve building intelligence using customer's self-declared information + Bureau data. Identified 100+ variables from bureau, which directly impact card and loans approval, and used them in the recommendation engine.
3. Helping product/business teams to identify and track the right metrics for the business growth
4. Building ML models to predict the approval rates of 20+ credit card and loan brands
5. Building a strong data team for onecode which includes data analyst, data scientist and data engineers

Machine LearningTableauPerformance MetricsRecommendationSQLCredit Risk Modelling+1

Exl

4 roles

Assistant Vice President

Jul 2021 – Nov 2021 · 4 mos

• Working with the payments arm of an online retailer. Assist product managers to identify key metrics and dimensions to drive product growth and levers to increase customer acquisition, engagement and retention

Query Writing

Project Manager, Analytics

Jul 2019 – Jun 2021 · 1 yr 11 mos

EXL Employee of the Quarter for Q4'20
Built ML model to prioritize prospect list for a campaign to target small businesses for the client. Also, designed strategies to suppress non-profitable customers from the prospect list
Worked with the largest bank holding company to design a default risk model using machine learning methodology, XG-Boost, for targeting prospects for credit cards to small business owners
Tools and Methodologies used: SQL, Python, SAS
Part of IIT campus recruitment team for EXL

Query Writing

Senior Consultant

Jan 2018 – Jun 2019 · 1 yr 5 mos

Consult a leading US retail group for risk and fraud analytics.
Recommending fraud strategies backed by business knowledge to minimize credit card fraud loss and optimize manual queue of card transactions for smooth functioning of the business
Develop rules and rule sets on Accertify platform post doing the impact analysis
Leveraging statistical modelling techniques like decision trees and tools like SAS and SQL to identify prevailing fraud patterns
Looks after IIT campus recruitment for EXL

Consultant

Dec 2016 – Dec 2017 · 1 yr

Employee of the Quarter for Q3'17
Helped a major US retail client to target key customers for their private labeled card program by building a statistical model using past customer behavior.
Trained fresh graduates in the team to hone their technical skills (SAS, SQL, VBA and Excel)

Amazon

Analytics Manager

Nov 2020 – Nov 2021 · 1 yr · Bengaluru, Karnataka, India · On-site

- Worked with Amazon pay to assist product managers to identify key metrics to drive product growth, and levers to increase customer acquisition, engagement and retention.

American express

Credit Risk Analyst

Dec 2019 – Nov 2020 · 11 mos · On-site

Built a credit default risk model using machine learning methodology, XG-Boost, for targeting prospects for credit cards to small business owners
Built ML model to prioritize prospect list for a campaign to target small businesses for the client. Also, designed strategies to suppress non-profitable customers from the prospect list
Tools and Methodologies used: SQL, Python, SAS

TableauPerformance MetricsQuery Writing

Axtria - ingenious insights

2 roles

Associate

Promoted

Apr 2016 – Nov 2016 · 7 mos · Gurgaon, India

• Part of Sales Quota setting team for a top US pharmaceutical client – Have set goals for 1000+ sales representatives for multiple brands analyzing the sales trends in geographies and potential for the brands to grow in the market.

Credit Risk ModellingQuery Writing

Business Data Analyst

Jul 2015 – Mar 2016 · 8 mos · Gurgaon, India

Physician call planning for a leading pharmaceutical company – identify high value physicians and prepare an optimal plan for sales representatives to visit such physicians across the USA in order to achieve maximum ROI
Learned business intelligence softwares like SAS, SQL, R, VBA and Excel in the training sessions organized by Axtria Institute.