Toto Goyal

Co-Founder

Bengaluru, Karnataka, India15 yrs 3 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Proven track record in driving strategic impact through analytics.
Expertise in enhancing product performance and customer experience.
Strong leadership in analytics for financial services.

Stackforce AI infers this person is a Fintech analytics leader with a strong focus on customer experience and operational efficiency.

Contact

Skills

Core Skills

AnalyticsCustomer ExperienceMarket ResearchData AnalysisMarketing Analytics

Other Skills

Digital AdoptionFinancial ProfilingCampaign DesignBusiness AnalysisFinancial AnalysisCredit RiskSASAnalytical ModellingCustomer Segmentation StrategyCredit CardsStore AnalyticsRetail AnalyticsPartner ManagementBankingAnalysis

About

Outcome-driven analytics leader with a track record of using data to drive strategic impact—enhancing product performance, reducing operational costs, improving customer experience, accelerating digital adoption, campaign effectiveness, and commercial excellence.

Experience

Phonepe

3 roles

Associate Director, Analytics, Insurance & Lending

May 2025 – Present · 10 mos

Associate Director, Analytics, Insurance

Promoted

Jul 2023 – Apr 2025 · 1 yr 9 mos

Senior Manager, Analytics, Insurance

Aug 2022 – Jun 2023 · 10 mos

Citi

3 roles

Vice President - Citi Retail Services

Promoted

Sep 2021 – Aug 2022 · 11 mos · Bengaluru, Karnataka, India

Assistant Vice President - Citi Retail Services

Promoted

Apr 2021 – Aug 2021 · 4 mos · Bengaluru, Karnataka, India

Assistant Vice President - APAC Operations Analytics

Jan 2019 – Apr 2021 · 2 yrs 3 mos · Bengaluru, Karnataka, India

Led the APAC Operations Analytics team - driving analytical solutions towards reducing inbound call volumes, accelerating digital adoption, improving customer experience and increasing conversion on loan cross-sell.

Bob financial solutions limited

AVP Analytics

Jul 2018 – Jan 2019 · 6 mos · New Delhi

Ge healthcare

Marketing & Commercial Analytics Lead

Apr 2016 – Jun 2018 · 2 yrs 2 mos · Bengaluru Area, India

Provide key analytical insights to enable marketing spend decisions – to ASEAN marketing leadership.
Identify previously untapped market segments in developing economies, for affordable care portfolio. Implemented targeting programs across key ASEAN countries.
Financial & business profiling of large strategic B2B accounts in ASEAN - enabling targeted client conversations and long-term solutioning.

The riverboats

Co-Founder

Apr 2015 – Mar 2016 · 11 mos · Bengaluru Area, India

Flipkart

Pricing Analytics

Sep 2014 – Apr 2015 · 7 mos · Bengaluru Area, India

Citi

Marketing Analytics

Jun 2010 – Aug 2014 · 4 yrs 2 mos · Bengaluru Area, India

Responsible for delivering data driven strategies for the Private Label Cards business in the US.
Collaborated with onshore marketing teams; leading end-to-end efforts encompassing the planning, design, scope and execution for analytics in Acquisition Strategy, Campaign/Offer design, Product Development, Customer Life Cycle Management and Store Analytics.