Jan 2022 – Jul 2023 · 1 yr 6 mos

• Led analytics for Shopsy — Flipkart's social commerce and value platform targeting Bharat (Tier-2+ markets) — driving the 1-to-10 growth journey by building analytical capabilities from the ground up.
• 📊 Impact: Scaled analytics team 1→6 | Search effectiveness improved | Product page visits & conversion up | B2B connects launched | Offline-to-online shift accelerated in T2+ markets
• → Search, Merchandising & Recommendations: Built end-to-end product discovery analytics for Shopsy app — improved search effectiveness through query analysis & relevance optimization; developed merchandising framework for proactive ranking via
• strategic boosting & burying of products; designed recommendations engine analytics to drive incremental page visits and conversion across low-ASP categories
• → Bharat Market Strategy: Built analytics framework to understand and serve low-affluence, Tier-2+ customers — identifying low-ASP product preferences, purchase triggers, and barriers to online adoption to guide product & GTM decisions
• → B2B Connect Analytics: Built measurement and targeting framework for B2B connect initiatives — enabling supplier-side decisions that improved product feed quality and availability for value-seeking customers
• → Product Feed Optimization: Developed analytical models to improve product feed relevance and depth for low-ASP categories — directly improving discovery
• and conversion for Shopsy's core customer segment
• → Team Building: Scaled analytics team from 1 to 6 — end-to-end hiring, training and upskilling of analysts to build a self-sufficient, high-performing pod aligned to Shopsy's fast-paced growth agenda
• Skills: Search Analytics · Merchandising · Recommendations · Growth Analytics ·
• Social Commerce · Funnel Analytics · SQL · Python · Team Building · Stakeholder Management

Mar 2021 – Dec 2022 · 1 yr 9 mos

• As Manager, built the analytics foundation for Flipkart's emerging Fintech business from the ground up — 0-to-1 across Credit Cards, Payments, and Insurance.
• 📊 Impact: 145K new cards | Revenue +₹172 Cr | Search CTR +19% | Units +7% | 2 Patents filed
• → Credit Card 0→1: End-to-end card strategy — competitor benchmarking, P&L simulations, funnel optimization (Auto Capture, VKYC), innovative sourcing models (First-Year-Free, externalization) — 145K acquisitions driven
• → Payments Funnel: Championed UPI & payments digitization; bridged P2I & I2O drop-offs via structured A/B testing; built analytics for UPI & Paytm Wallet launch
• → Search Ranking Revamp: Directed complete overhaul of search ranking algorithms via UPI-based decisioning & seeding/slotting — optimized unit economics over GMV, +19% CTR, +7% incremental units
• → Insurance Discovery: Led cross-functional task force on awareness & coverage gaps
• product page redesign, search auto-suggest, dedicated store pages drove penetration
• → Fast-Track Promotion: Promoted to Manager ahead of cycle — recognised for analytical impact, business ownership and team leadership
• Skills: Product Analytics · Credit Cards · Payments · UPI · Search Analytics · P&L Modeling · Funnel Optimization · Python · SQL · Team Management

Jun 2019 – Feb 2021 · 1 yr 8 mos

• As Lead, owned the strategic analytics agenda for Flipkart's Fintech & Payments
• business — defining the measurement framework, driving cross-functional alignment,
• and translating data into product and business decisions at scale.
• 📊 Impact: MAC +1.7M | 18 new VAS verticals | NCL down 260 bps | Attach rate +30%
• → Propensity Modeling — Credit Card & BNPL: Built ML-based propensity models to
• identify high-intent users for credit card and BNPL targeting — improving acquisition
• efficiency and reducing cost per acquisition through precision outreach
• → SME Lending Risk Models: Developed risk and credit scoring models for SME lending
• products — improved targeting, reduced fraud exposure, drove adoption up 37% with
• NCL down 260 bps
• → Growth Hacking & Vernacular: Designed and ran 20+ A/B tests (Buy This Now,
• Skip Order Summary, Social Proofing, UGC); Vernacular strategy drove Tier-2/3
• market conversion — +1.7M MAC
• → VAS & Insurance: Scaled awareness & coverage analytics for insurance verticals
• attach rate up 30% across 18 new VAS verticals
• → Cross-functional Leadership: Partnered with product, marketing & engineering
• to define and execute analytics roadmap across payments and fintech verticals
• Skills: Propensity Modeling · Risk Modeling · BNPL · SME Lending · Growth
• Hacking · A/B Testing · Machine Learning · SQL · Python · Stakeholder Management

Sep 2017 – May 2019 · 1 yr 8 mos

• Foundation role across credit card business development, pricing analytics and digital customer experience for North America Cards portfolio.
• 📊 Impact: BD revenue $18.5M | NPS improvement 63-113 bps | Dispute drop 14%
• → Cards BD: Built 4 pitches, won one major co-brand deal (~$11B portfolio)
• → Policy Optimization: Proactive/Reactive LF waiver strategy — $8M revenue, +63 bps NPS
• → Dispute Analytics: Prediction model reduced disputes 14%, NPS up 113 bps
• Skills: Credit Cards · Pricing Analytics · Business Development · SQL ·
• Python · Statistics

Feb 2017 – Aug 2017 · 6 mos

• This team mainly works in studying the customer journey at each touch-point level and leveraging sophisticated tools and techniques to draw meaningful insights to help business take profitable decision at root level. this helps not only in improving the revenue but also NPS. Few key projects I worked on are :
• Journey Analysis to understand sales drop post dispute - This analysis took into account the dispute customers and analysed their journey at touch-point level to understand
• ° How much is the sales drop post dispute?
• ° Do every customer facing dispute drop their spend?
• ° Can anything be done to check the sales drop?
• I was solely responsible for the analysis and we found
• ° Sales drop post dispute was huge
• ° A very small segment among dispute customers were responsible for majority of sales drop. These customers have few peculiar touch-points in their journey, which can help us identify the prospect customers for sales drop
• ° We also identify 2 action points to reduce the post dispute sales drop
• To identify top concerns/questions customers post in social media using Citi Handle - Aim for this analysis was to identify top concerns that lead customers to social media. Using the sophisticated tools and techniques I was able to identify top 10 reasons, few of which we didn't expect to be in there.

Jul 2015 – Jan 2017 · 1 yr 6 mos

• New role with new team. Being part of Pricing Analytics was interesting, demanding and certainly challenging. This team helped me gain understanding of P&L model for the cards business and gain the perspective to understand critical business decisions. Few key projects I worked on as part of this team are:
• APR Rebalancing - Interest rate is a major revenue lever for card business and in this project we aimed at reviewing the existing rate for all customers and based on their risk profile, product and competitive interest rate for similar product we made an estimate of their new interest rates. And took necessary measures based on this analysis.
• Risk Balance forecasting - Solely did an analysis to forecast the balance, revolving balance and weighted APR for the risky customers, taking into account their tenure, profile and past performance on-us. Forecast was done for 3 years leveraging 9 years of historical data. First year forecast was found to be within 2% of actuals.

Jun 2013 – Jun 2015 · 2 yrs

• Two years at this wonderful place and one thing that keep me going is the learning opportunities I get here.
• I have been part of an integral team NA Branded cards, with specialization in Merchant Analytics. My team majorly works on 4 different areas - Business Development, Merchant Analytics, Networks & Emerging Payment.
• In past one year the biggest achievement is In-and-Out understanding of Transaction level data for Credit/Debit Cards. i also got the opportunity to learn SAS, SQL,MS-Excel,VBA, E-Miner (CHAID), Passion Model.
• With current focus shift on the digital wallets work life has become even more interesting and challenging as well. To add to this various exploratory projects keep life more exciting & interesting. They allow us to do brain storming and come up with a simple but innovative solution to basic business problems.

May 2012 – Jul 2012 · 2 mos · Bangalore

• Working as an intern i got the exposure towards life of a consultant. This experience helped me gain the much needed exposure towards consulting 101 - market research, deck creation, client engagement, presentation the case etc.
• I primarily worked on SA & Indian market for energy and automobile sectors. It was a great learning experience and good networking platform.

Jun 2011 – Jul 2011 · 1 mo · Bangalore

• Worked on Industry analysis and Business development (USA & Singapore).
• I conducted competitor analysis for cFIRST in order to find profitable targets for acquisition. I focused on USA, Singapore and Middle East. Finally listed 6 probable targets for acquisition.

May 2010 – Jul 2010 · 2 mos · Bhopal Area, India

• Developed subject content for their economics textbooks
• Prepared a write up on core banking emphasizing on electronic money transfers, highly appreciated by SBI
• Conducted workshops to test & improve the model, designed by me, for "do it yourself activity" section of the book