Jun 2022 – Feb 2024 · 1 yr 8 mos · Bengaluru, Karnataka, India

• Organisational transformation from a ‘Data Ops’ to a ‘Data Led’ function
• Build robust processes to ensure data availability, reliability and democratization
• Higher order problem solving across credit risk, portfolio, product and marketing analytics

Jul 2020 – May 2022 · 1 yr 10 mos · Bengaluru, Karnataka, India

• Build and lead the Research Analytics team in a rapidly growing, disrupting company in the BNPL space
• Scale the team to 5× within 12 months and drive analytics for 2 major Zip markets (US & UK)
• Drive strong employee engagement, growth and satisfaction through people first leadership
• Build strategic partnerships with leaders of core business functions such as Marketing, Growth, Product, Customer Experience, Risk
• Build strong culture of data backed strategies and impact measurement across business functions
• Evolve Analytics to a bottom-line money maker/saver for the company. Drove ~$30MM in incremental
• annual sales with targeted marketing and customer engagement programs
• Design impactful analytical solutions for pre-approval strategies, life cycle marketing, referral & loyalty
• programs, agent performance score and customer persona
• Elevate intuition-based decision making with analytical best practices such as design of experiment,
• hypothesis testing, impact measurement, forecasting and optimization
• Advise on third-party data product/vendor selection and adoption

May 2020 – Jun 2020 · 1 mo · Bengaluru, Karnataka, India

Dec 2018 – Apr 2020 · 1 yr 4 mos · Bangalore

• Kabbage Payments & Merchant cash advance:
• Partnering closely with product, engineering & data platform teams through all stages of product launches to define, monitor and update key features such as eligibility, transaction limits, reserves, pricing, etc.
• Leading analytical efforts to launch a sub-product which looks to extend merchant cash advance based on payments activity. Design the key features related to re-payment methods, pricing, term of loan, line of credit, delinquency, etc.
• Kabbage Checking account:
• Working through the pre-launch frenzy to define key features such as eligibility, withdrawal limits, ACH pull limits, check limits, etc.
• Guiding efforts to build holistic monitoring framework to support test-and-learn during launch phases
• Kabbage Charge Card:
• Define key features such as eligibility, credit limit, re-payment, delinquency, etc.
• Working with Capital Markets team to minimize contingent liability of incremental exposure from additional credit line to customers
• Strategic Partnerships: Manage strategic partnerships for Kabbage
• End-to-end portfolio management including underwriting, account management, portfolio analytics for check-out financing product for a key e-commerce partner
• Design high accuracy pre-qualification strategy including eligibility, line of credit and pricing to improve volume through lending platforms using limited business data
• Rapid response team to counter pandemic driven economic challenges:
• Leading efforts with cross-functional teams on emergency responses to counter impact of economic turmoil and slowdown across new products and partnerships. Some examples include:
• Refine eligibility, line and pricing strategies for new & existing customers for a partnership portfolio
• Refine reserve limits for Kabbage Payments as a preemptive measure to handle high chargebacks/reversals/refunds
• Help to prioritize product launches based on risk appetite and customer needs

Jul 2015 – Nov 2018 · 3 yrs 4 mos · Bengaluru Area, India

• Citibank – Co-branded Credit Cards (N. America) [March 2017 – November 2018]
• P&L forecasting for acquisitions: Lead a team of 2 members to design and develop 5-year out quarterly P&L forecasting models for around 12 channel X product combinations for newly acquired customers to forecast profitability of acquisitions through different channels
• Formulate strategies to reduce balance attrition: Lead a multi-functional team to ideate and size potential strategies to reduce balance attrition and increase revenue in NA credit card portfolio
• Key performance metrics dashboard: Design and supervise creation of key portfolio metric dashboards and continuous monitoring of health of business
• Citibank - Banamex (Mexico) [July 2015 – March 2017]
• Credit Overlap Model: Design strategy to restructure the targeting framework for credit products by offering best suited product to the customer to generate the maximum value to the bank and meet customer need
• Unsecured Balance Retention: Design and implement a proactive retention strategy to retain cards balance by making appropriate offers to customers based on their expected credit needs behavior both on-us and off-us

Apr 2014 – Jun 2015 · 1 yr 2 mos · Bengaluru, Karnataka, India

• Balance Retention Models: Develop and validate propensity models to identify customers with high likelihood of depleting their deposit balances which were to be used for balance retention campaigns
• Customer Engagement Models: Develop customer contact prioritization strategy using customer segments defined based on degree of engagement

Jun 2013 – Mar 2014 · 9 mos · Bengaluru, Karnataka, India

• Media spend optimization: Worked on creating optimized media spending rules across different channels using Market Mix Modeling technique

Jul 2010 – May 2013 · 2 yrs 10 mos · Greater Kolkata Area

• Propensity Modeling: Develop and validate product level response propensity model to drive cross-sell strategies across products for a US retail major
• Customer Segmentation: Create behavioral customer segments based on transactional, demographic, geographic attributes to design customer-centric marketing campaigns
• Key insights generation: Designed and supported production of business critical dashboards with KPIs to generate actionable insights to improve marketing campaigns