Jan 2022 – May 2024 · 2 yrs 4 mos · Gurugram, Haryana, India · Hybrid

• Led the Consumer Risk Data Science team , driving data science strategy alignment with Business goals, project delivery, solutioning, practice development, hiring, and stakeholder/lender management, with a focus on effective model management
• Redesigned and deployed credit scorecards, driving ~2X growth in consumer lending with stable default
• performance.
• Revamped application scorecard modelling with Reject Inference for PP and Personal Loan products, leveraging bureau and on-us data for a base exceeding 100 million. The new framework improved stability and model performance by ~5%, creating more business opportunities with reduced risk.
• Implemented a comprehensive framework for model monitoring, governance, explainability, and modelling. Collaborated with both new and existing lenders to ensure alignment on model results and stability.
• Orchestrated the creation of a Behavioural model for Post Paid & PL products. The models are used for limit upgrade , top ups , negative interventions in the portfolio. Achieved a remarkable improvement of ~ 10% in model performance compared to the previous model.
• Led the development of early delinquent models to capture straight rollers, empowering the strategy team to detect and act against potential fraudulent bookings

Nov 2017 – Dec 2021 · 4 yrs 1 mo · Gurgaon, India

• Managed a high-performing data science team , overseeing project delivery, go-to-market strategies, practice development, hiring, and client/stakeholder management, leading & responding to rfp & proposal as well as handling project pricing
• Led the establishment and delivery of Conversational AI and MLOPS new offerings, showcasing value propositions and operating models to clients, resulting in scaling the business and top line by INR ~50 m+
• Spearheaded and delivered churn models for a leading Indian and South African telecom company, achieving notable improvements of 8% and 15% compared to previous models. This success empowered the CVM team to execute targeted campaigns for retention and cross-selling.
• Created a customer profitability scorecard for a prominent Indian DTH operator, empowering the sales and marketing team to execute targeted campaigns, improve retention, and enhance the overall customer experience. The project received positive acclaim from board members.
• Consulted for leading manufacturing and electronics firms, delivering pricing models with a 3% lift in A/B tests and market mix models for impactful ROI assessment and budget reallocation recommendations.

Jul 2013 – Nov 2017 · 4 yrs 4 mos · Gurugram, Haryana, India · On-site

• Led the management of a data science team , overseeing client and stakeholder relationships, driving project delivery, development ,creating data science roadmaps, and playing a key role in hiring and cultivating the practice.
• Developed Loss Reserve forecasting model for a prominent Insurance Firm, replacing the traditional chain ladder approach with a machine learning-based approach for the actuarial team. Delivered a superior accuracy improvement of ~3%
• Devised and implemented a stochastic-based price optimization algorithm from inception, successfully monetizing it through consulting engagements with over five manufacturing clients.
• Collaborated with leading UK & US Banks to develop a propensity model for lead targeting, resulting in improved click-through rates by transitioning from heuristic targeting to data-backed decision-making, optimizing the sales funnel
• Designed & developed recommendation engine for a leading Uk Bank to target the next best product for retail customer. This enabled tailored offer ,better conversion rate and enhanced customer experience
• Developed a Customer Lifetime Value (CLTV) model with micro-segmentation of customer personas for a leading UK Bank in the retail segment. This initiative facilitated personalized strategies for retention, tailored campaigns, cross-sell opportunities, enhancing customer satisfaction.

Oct 2011 – Feb 2013 · 1 yr 4 mos · Nodia · On-site

• Developed challenger ML-based underwriting model for a car insurance product, leveraging demographic and bureau data to enhance risk management and optimize customer targeting.
• Developed an ML-driven lapse management model for a term life insurance product, leveraging product behavior, demographics, and payment patterns to enhance retention strategies.
• Analyzed NPS surveys to identify key drivers of customer feedback, uncovering insights to enhance customer experience and engagement.
• Developed an ML-based solution to classify customer feedback as satisfied, not satisfied, or neutral,
• reducing manual effort by 30% for the operations team.