Mar 2022 – Nov 2023 · 1 yr 8 mos · Bengaluru, Karnataka, India

• My focus at Velocity has been on harnessing our data for data-driven insights, innovative automation and cross-team collaboration across the customer lifecycle.
• I have led a 6 member team to deliver:
• Automated UW for approximately 40% of applications for our Revenue based Financing (RBF) as well as Business Cards products.
• Collaborated with Operations and Collections teams, resulting in a 2X reduction in initial delinquency rates
• Collaborated with the Product team to achieve 3X user growth in Velocity Insights, India's largest analytics solution for D2C brands.
• Led the Data Engineering team to develop consolidated tables by source which led to significant efficiencies in terms of developer productivity, query times and cost reduction of approximately 50%.

Jul 2020 – Mar 2022 · 1 yr 8 mos

• My tenure at Citigroup, across the US and India, developed my ability to drive data-led decision making, automate complex forecasting processes, and optimize marketing campaigns at a high-profile financial services organization.
• I spearheaded transformative initiatives at Citi, automating forecasting processes, achieving substantial accuracy gains, and optimizing marketing campaigns, resulting in multimillion-dollar impacts.
• Enhancing Strategic Planning process for Citi's Branded Cards portfolio
• Led the end-to-end automated forecasting of ~450 credit card P&L drivers, reducing resource requirements by 80% and enhancing accuracy by 30%.
• Produced 6000+ granular, segment-level forecasts, offering profound insights into the portfolio's status and the ramifications of strategic choices and macroeconomic factors.
• Ensured the production implementation of the chosen models, and their approval from the Model Risk Management and Fair Lending teams.
• Optimizing Marketing Campaigns for Citi's US Retail Bank
• Headed a 3-member team across US and India to optimize balance retention campaigns.
• Drove a balance save of USD 25M and an incremental revenue impact of USD 500K annually by identifying customers at highest risk of attrition using XGBoost models.

Jan 2017 – Jul 2020 · 3 yrs 6 mos

• I led crucial analytics efforts in the Citi Best Buy partnership, leveraging data-driven insights to drive tens of millions in incremental sales, and implementing innovative strategies to enhance cardholder spend both in and outside Best Buy while ensuring strict adherence to all regulatory and risk management requirements.
• Drove $55 million in incremental sales through:
• Creating an internal segmentation for Citi customers, revealing distinct spend behavior within Best Buy.
• Collaborated with cross-functional teams within Citi and Best Buy to ensure buy-in.
• Ensured model risk and fair lending approval.
• Executed successful marketing campaigns based on segmentation and identified the preferred offer for each segment.
• Boosting Cardholder Spend Beyond Best Buy (~ $70-80 MM in annual incremental spends)
• Engineered Merchant Recommendation Engine and customer segmentations based on spend inside and outside Best Buy
• Enhanced spend for Citi Best Buy cardholders outside Best Buy through identifying appropriate offers
• Ensured model risk management and fair lending approvals over a 3 year period

Jul 2013 – Jan 2017 · 3 yrs 6 mos

• Implemented Next Best Offer solution for Citi's Retail banking customers across APAC and Latin America using Latent Markov Models (20+ million customers)
• Designed, developed and implemented Merchant Recommendation Engine across Citi's APAC credit cards businesses.
• Travelled to Taipei to implement this and design marketing campaigns based on Merchant Recommendation Engines (2 million customers in Taiwan alone)
• Developed and conducted learning sessions for Citi's analysts on R programming, Latent Markov Models and Next Best Offer, as well as basics of Hadoop.

Dec 2011 – May 2012 · 5 mos

Jul 2011 – Mar 2013 · 1 yr 8 mos · Mumbai Area, India

Aug 2010 – Jun 2011 · 10 mos · Mumbai

Apr 2009 – Jun 2009 · 2 mos