Sep 2023 – Sep 2025 · 2 yrs · Bengaluru, Karnataka, India · On-site

• All Things Data - Data Science, Analytics, Biz Intelligence & Data Platforms for Nykaa Group - Beauty, Fashion, Retail, B2B (SuperStore), Nykaa Man and Own Brands (Pvt Labels + Acquired Brands)

Dec 2021 – Sep 2023 · 1 yr 9 mos

• Leading Analytics for
• 1. All Categories across Flipkart
• 2. Marketplace Selection and Seller Growth
• 3.End to end Analytics for New Businesses - Cleartrip, Shopsy, Grocery and Health
• 4. Competitive Intelligence and Strategy

Sep 2019 – Nov 2021 · 2 yrs 2 mos

• Head - Business Analytics, Planning, Market Place, Selection Analytics and Competitive Intelligence
• Partner with all the business lines in their growth and profitability strategy (Flipkart, Shopsy, FK wholesale and Cleartrip)
• Build the Value Strategy for Flipkart - Understanding drivers of value at a Customer and Category level.
• Partner with Marketplace to build Seller Ecosystem and Experience. Driving the growth in selection leading to more choice for customer and growth for seller.
• Partner with Planning to forecast demand at a granular level to drive efficiencies in supply build up.

Dec 2015 – Sep 2019 · 3 yrs 9 mos

• Part of the leadership team for the COE for Decision Management and Analytics. In current role am leading the Data Sciences and the Analytic Solutions Groups responsible for developing and deploying global solutions
• Job Responsibilities :
• Providing thought leadership on the next generation analytics capabilities across – Big Data, Social Media , Pattern recognition (Text/Speech Analytics), Machine Learning Algorithms and Real time solutions.
• Leading Deployment of Solutions across markets on Product/Offer Palette Optimization (Next Best Offer), Pricing Optimization, Network/Ecosystem optimization, Campaign Tracking and P&L design - 10+ Solutions deployed over multiple markets in Retail Bank and Cards.
• Site Leader for Learning and Development.

Jan 2013 – Nov 2015 · 2 yrs 10 mos

• Part of the leadership team for the COE for Decision Management and Analytics. In current role am responsible for managing Decision Management for North America SME and Global Mortgage Portfolio.
• Job Responsibilities :
• Foster a growing relationship with on-shore partners to scope out analytical engagement opportunities
• Supporting Customer and Revenue growth through advanced analytics and data based decision management.
• Supporting Customer centricity through leverage across lines of businesses enabling a customer led franchise.
• Driving efficiencies in area of information management and campaign measurement.
• Advanced modeling across customer life cycle – acquisition, cross-sell, retention and conversion.
• Planning and Forecasting, P&L modeling support.
• Supporting deployment of best practices across the global markets in Mortgage and Retail Banking.
• Recruitment, Talent management and career pathing
• Lead L&D efforts for all techincal trainings across the COE

Dec 2010 – Dec 2012 · 2 yrs

• Lead Marketing Analytics for Small Business Retail Liabilities and Mortgages

Dec 2009 – Nov 2010 · 11 mos · New Delhi Area, India

• Part of the Global Analytics COE for Retail Credit Risk analytics. In current role responsible for model development and monitoring for UKRB. (Products - Home Loans, Personal Loans, SME Loans, Current accounts)
• Job Responsibilities :
• Development of new Risk models for Retail Products – Focus on Basel II, Behaviour and Risk Reward Models.
• Ownership of getting models approved by the central model development committee.
• Monitoring/Validation of all existing models – for Acquisition, Behavior (Basel II), Collections and Fraud.
• Calibration of existing models to align model performance and accuracy (focus on Basel Models).
• Computation of Portfolio PIT and TTC PD, LGD and EAD and Risk Weighted Assets for all Products.
• Hiring for the Entire Centre. Directly assessed more than 150 candidates and hired 25+ in a span of 10 months.

Jun 2009 – Nov 2009 · 5 mos · New Delhi Area, India

• 100% subsidiary of Temasek Holdings targeting the Mass Affluent /Lower Affluent consumer segment for wealth management and broking. In this role was responsible for Managing Analytics and Risk management with a dual reporting to the Risk Director and CFO.
• Job Responsibilities :
• Setting up the analytics capabilities of the organization – beginning from designing the data warehouse to the Requirement specification of an aggregator system to assimilate consumer data from different products.
• Development of risk management policy for Securities eligible to be traded in the margin segment and multiplier policy basis asset risk and consumer risk profile.
• Development of Credit policy for Loan against securities and IPO funding product.
• Development Cross sell policy and Propensity segment of customers for the spectrum of wealth products.

Sep 2007 – May 2009 · 1 yr 8 mos

• In this role was responsible for Managing Risk Analytics and strategic planning for GE Capital (Consumer) in India reporting directly to the Chief Risk Officer for GE Capital. Portfolio size was > $2 B comprising of 10 Portfolios across asset classes.
• Job Responsibilities :
• Responsible for all Risk and Collections Modeling and Scoring Projects for the entire life cycle of the products, have extensive modeling experience in Cards, Unsecured/Secured Consumer loans.
• Development of Acquisition, Behavioral, Marketing, Collection, and Fraud Models to predict Good/Bad customers and design strategy basis the same. (Using SAS and SPSS as the Modeling tool)
• Development of risk reward models for all new product initiatives as well as for existing products.
• Monthly Reserve Provisioning and Quarterly Reporting of Capital Adequacy for each portfolio – in compliance with BASEL II Norms.
• Planning, Forecasting and aiding in setting up Loan Policy for different products Loss.
• Liaison with product managers to develop Challengers for different products based on Statistical Models.
• Leading Audit and Due Diligence for Risk both internal and Corporate Audit (CAS).
• Additionally Managed Credit Policy and Portfolio Management for Retail Auto and Lease (Jan’07-Oct’07).

Jul 2006 – Aug 2007 · 1 yr 1 mo

• Support Analytics and Planning for Consumer Lending Risk

May 2005 – Jun 2006 · 1 yr 1 mo

• Risk Modeling and Capital/Impairment

Jul 2004 – May 2005 · 10 mos

• American Express Operates in India providing Credit and Charge card services targeted at the Affluent segment.
• Job Responsibilities :
• Performance Analytics and Planning, MIS generation.
• Liaison with the New Accounts Unit and CIBIL (Indian Credit Bureau) to analyze the new applicants. Monitoring the external agency performances and auditing their results and bills.
• Agency Segmentation to Benchmark agencies across Geographical Regions.

Jul 2000 – May 2002 · 1 yr 10 mos

• Design and Development of Application Software - in J2EE domain