Sep 2019 – Apr 2025 · 5 yrs 7 mos · Bangalore · Hybrid

• Spearheaded AI and Generative AI initiatives to transform customer onboarding, engagement, and collections.
• GenAI Agents: Implemented AI Agents optimized for enterprise data, integrating RAG models to reduce hallucinations, achieving +20% CSAT, a 6x increase in customers served, and an 80% reduction in resolution time.
• Telecom Credit Score: Built alternate scoring models processing trillions of records weekly for ~600 million subscribers, enabling financial inclusion for underserved markets.
• Reduce loan losses by approximately 50% and enable risk-based pricing, improve approval rates for high telco scores, and reject high-risk applications with precision.
• Runner of RBIs (Reserve Bank of India) 4th Cohort Sandbox competition.
• Address Verification: Designed an innovative solution to verify loan applicants' provided addresses against clustered home locations derived from Call Data Records (CDRs).
• Reduced background verification (BGV) checks from days to seconds and reduce costs from 100s to 10s by delivering a Match Index (proximity of the applicant's stated address to the derived location) and a Stability Index (duration of residence at the derived address).
• Established ISO 27001 certification and compliant frameworks, ensuring robust data governance, risk management, and enterprise-wide information security.

Apr 2016 – Sep 2019 · 3 yrs 5 mos · Bangalore

• Directed large-scale analytics projects integrating bureau and client data for fraud detection, propensity modeling, and credit risk assessment.
• Fraud Indexes & Propensity Models: Delivered solutions for top banks and NBFCs, improving risk assessment accuracy and operational reporting efficiency by 30%.
• Data Insights Dashboards: Built real-time Tableau dashboards aggregating 1.4 billion retail records monthly, enhancing executive decision-making capabilities.
• Migrated legacy projects to GCP, transitioning from SAS and SQL to cloud-native tools like Python and Spark, improving processing speed by 40% and reducing infrastructure costs.
• Implemented a robust data platform and refreshed data marts, enabling real-time analytics and insights.

Sep 2015 – Dec 2015 · 3 mos · Sharjah

May 2015 – Aug 2015 · 3 mos · Dubai, UAE

Oct 2008 – Apr 2015 · 6 yrs 6 mos

• IT-PMO Implementation: Established a project management framework aligned with the Enterprise Continuum, training PMs and leads, and implementing Microsoft ePM tools, reducing project delivery timelines by 50% and enhancing compliance.
• Other responsibilities include but are not limited to training/mentoring the Project Managers, Creating the management dashboard reports, PMO performance management, stakeholder management and communication, Implementation of PMO tool and guidance to PMs, conduct post project reviews and organizing lessons learned and collaboration between various IT disciplines and locations.

Jul 2007 – Sep 2008 · 1 yr 2 mos

Oct 2006 – Jul 2007 · 9 mos · Dubai, United Arab Emirates · On-site

Oct 2004 – Dec 2005 · 1 yr 2 mos

• Responsible for developing the company website and few local intranet applications.