Nikhil Gundawar

Director of Engineering

Bengaluru, Karnataka, India10 yrs 7 mos experience
Most Likely To SwitchAI ML Practitioner

Key Highlights

  • Built a unified AI-powered analytics platform.
  • Led a 50+ member analytics team to drive business impact.
  • Achieved 40% faster problem-solving turnaround time.
Stackforce AI infers this person is a Fintech expert with strong capabilities in AI-driven analytics and decision science.

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Skills

Core Skills

Analytics LeadershipAi StrategyPaymentsAnalyticsData ModelingAngel InvestingStrategic PlanningReporting Systems

Other Skills

Decision ScienceAI SystemsData IntegrationAnalytical SkillsFinancial Behavior-based SegmentationMulti-Logistic RegressionFinancial BackgroundBankingLeadership ManagementSoftware as a Service (SaaS)Cross-team CollaborationOperations ManagementGrowth InitiativesRevenue ManagementData Strategies

About

I build AI-first Analytics and Decision Science organisations that deliver measurable business impact fast. Currently, I lead a 50+ member Analytics, Data Science, BI, and AI team at a high-scale FinTech → small finance bank, partnering closely with CXOs across Product, Growth, Risk, Finance, and Operations. Principle: Turn data + AI into decisions that move P&L. [What I do] - Build high-performing Analytics & AI teams from 0 → scale - Design decision systems, not just dashboards or models - Apply GenAI + ML to compress cycle times, reduce cost, and unlock new capabilities - Translate complex data problems into clear executive narratives [AI, GenAI & Automation (Hands-on)] I actively design and deploy AI systems—not slideware. - Cursor – Primary AI-native development environment for analytics, data engineering, and ML workflows - Claude & GPT – Reasoning, code generation, debugging, summarisation, and analytical co-pilots - n8n – Workflow automation across analytics, ops, and product processes - LangChain – Agentic workflows and LLM orchestration - Antigravity / KiloCode – Advanced experimentation, optimisation, and code acceleration - NotebookLM – Rapid synthesis of long-form technical and business context [nucleus — AI Analytics Platform (Built In-House)] I built Nucleus, a unified AI-powered analytics platform that acts as the analytical brain of the org. It, - Connects conversations, data, code, workflows, and documentation across tools (Slack, Git, JIRA, data platforms, BI) - Converts messy business questions into end-to-end execution—analysis, validation, documentation, and delivery [Impact] - Work that earlier took 4–6 hours now completes in under 30 minutes - Teams operate ~1.25× faster without additional headcount - Near-zero context switching for analysts and product teams << It’s AI-driven analytics orchestration at scale >> [Business Highlights] - Org-wide profitability programs (revenue growth + tech cost reduction) - Scaled consumer lending AUM ~25% YoY through pricing, offer, and decision engines - Designed UPI rewards framework scaling txns 5M → 15M+ monthly - Built offer, recommender, and intent models, adding ₹1,000+ Cr annual disbursals - Led RBI regulatory reporting during bank merger - Built merchant lending (0 → 1) business operations [Core Skills & Keywords] Analytics Leadership, Data Science, AI Strategy, GenAI, LLMs, Decision Science, Product Analytics, Experimentation, ML Systems, Platform Building, Stakeholder Management, FinTech Analytics, Banking Analytics, Regulatory Reporting, Growth & Profitability

Experience

10 yrs 7 mos
Total Experience
2 yrs 7 mos
Average Tenure
4 yrs 8 mos
Current Experience

Stealth

Angel Investor and Advisor

Nov 2024Present · 1 yr 6 mos · Bengaluru · Remote

  • Investing in next gen ideas
Angel Investing

Slice

3 roles

Director of Analytics, AI Initiatives (AVP II)

Promoted

Nov 2023Present · 2 yrs 6 mos

  • Leading a ~50-member high-performing analytics team solving business-critical problems across UPI, Credit Cards, Lending, Marketing, CX, Fraud, and Strategy.
  • Drive impact through product analytics, ops analytics, growth insights, and data-driven strategy, influencing key business decisions.
  • Designed and deployed an AI-powered internal analytics platform, fully integrated with CURSOR (Claude) + Slack, Jira, Confluence, Superset, Git, and a data knowledge graph—creating a seamless ecosystem for faster, smarter decision-making.
  • Achieved 40% faster problem-solving turnaround time and boosted team productivity by ~30%, setting a new benchmark for AI-enabled analytics at scale.
  • Transforming the way Problems are solved using AI first approach
Analytics LeadershipAI StrategyDecision SciencePayments

Associate Director, Central Analytics

Promoted

Nov 2022Dec 2023 · 1 yr 1 mo

  • Led Growth for consumer lending product “slice borrow” helping reach all-time high AUM and monthly disbursals.
  • 10% incr. in monthly disbursals
  • 5%+ incr. in new user Activations & Retention
  • 2.5% increase in revenue
  • Led CX Calling Ops efficiency improvement
  • Conceptualised “Spend Analytics” module to help users improve spend habits with meaningful insights
  • Led Adoption of structural frameworks and best in class analytics tech stack by the team that enabled faster and reliable analytics and insights
PaymentsAnalytical SkillsAnalytics

Sr. Manager - Analytics

Sep 2021Nov 2022 · 1 yr 2 mos

  • Building High-Performance Analytics Function at slice from 0 to 1 and now 1 to N
  • slice is India's best credit card challenger to pay bills, manage expenses, and unlock rewards. We're reinventing how traditional credit cards work by offering a simple and transparent app to help our members transact easily.
  • Oh, btw, we offer upto 2% cashback on every transaction, and our members have the option to convert monthly bills payable into 3 instalments, with no extra charges. Yup, you can count on us.
  • We are backed by leading VCs such as Gunosy Capital, Das Capital, Finup, Blume Ventures India, Simile Venture Partner, EMVC, Tracxn Labs, Better Capital, Sachin Bansal's Navi and angel investors such as Kunal Shah.
  • see less
PaymentsData Modeling

Asper.ai

2 roles

GTM & AI Consulting (Acquired by Fractal.ai under Samya.ai brand)

Jun 2021Sep 2021 · 3 mos

  • Helped fortune 1000 CPG/FMCG Organizations unlock 10x Revenue Growth.
  • Founding member of Samya's Go-To-Market (GTM) team
  • Playing a pivotal role in signing the first few customers of Samya by driving successful Proof Of Value (POV) engagements
  • Identified continuous improvement strategies for the product by analyzing potential value adds
  • Taking things forward with Extreme Experimentation & Fail Fast approach
Data ModelingStrategic Planning

Sr. Consultant - AI & Analytics (Founding Team)

Jul 2020May 2021 · 10 mos

  • Driving Customer engagement and Consulting on everything AI/ML to F1000 CPGs/FMCG
  • Founding member of Samya's Go-To-Market (GTM) team. Setting up all the GTM and Customer engagement processes for our proprietary B2B platform
  • Identified continuous improvement strategies for the product by analyzing potential value adds
Data ModelingStrategic Planning

Citi

Sr. Strategy Analyst (Credit Cards - North America)

Oct 2018Jul 2020 · 1 yr 9 mos · Bengaluru, Karnataka, India

  • Formulating strategies for strengthening Existing "Credit Card" Customer engagement by targeting -
  • "Right Customers with Right Offers at the Right Time"
  • [Key Roles]
  • ◆ Designing end to end Framework for personalized customer targeting
  • ◆ Program and Team management for driving Credit Card engagement across North America
  • ◆ Training and Mentoring people on Problem Solving, Machine Learning & Statistical concepts
  • [Projects]
  • 1. P&L forecasting F/W for Personalized targeting -
  • ◆ Impact: Incremental revenue of ~15%
  • ◆ Techniques :
  • Financial Behavior-based Segmentation
  • Multi-Logistic Regression-based Response Model
  • GBM based P&L forecasting tool
  • P&L simulation framework
  • Linear programming based Optimization
  • 2. Channel optimization -
  • ◆ Impact: Reduced marketing expense by 50%.
  • ◆ Techniques :
  • Multi-Logistic Regression Response Model
  • 3. Gamer Identification (Risk Analysis)
  • ◆ Impact: Revenue save of ~10% of entire Portfolio
  • ◆ Techniques :
  • Segmentation & Logistic Regression Model
Data ModelingReporting Systems

Mu sigma inc.

2 roles

Data Science Manager (~15 Analysts & Data Scientists)

Mar 2017Oct 2018 · 1 yr 7 mos · Bengaluru Area, India

  • [Key Roles] -
  • ◆ Managed multiple teams of ~3 -15 Data Scientists involved in multiple Long terms and Short term Projects
  • ◆ Expertise in Descriptive, Inquisitive, Predictive and Prescriptive Analytics and Machine Learning-Driven
  • ◆ Pitched and Built Analytical solutions for CXOs and Directors from Fortune 500 companies converting to Million dollar agreements
  • [Projects] -
  • ◆Price Optimization Framework for a US-based retailer
  • Store Segmentation
  • Demand forecasting
  • Product Segmentation
  • Price elasticity model
  • Nonlinear/Linear Optimization technique
  • Test Control - Lift analysis for retail stores
  • ◆Trade Fraud Detection framework (AML)
  • Customer Segmentation
  • Time Series Clustering
  • Anomaly Detection
  • Time series anomaly detection
  • ◆Anti-money laundering for institutional payments
  • Text matching algorithms - Partial match/Exact match
Data ModelingReporting Systems

Decision Scientist (Led team of ~5 Data scientist)

Sep 2015Mar 2017 · 1 yr 6 mos · Bengaluru Area, India

  • [Key Role]
  • ◆ Trained 500+ people on Basic Stats, Machine Learning, SQL-Hadoop, Business, etc.
  • [Projects]
  • ◆ CLTV (Customer lifetime value framework for a giant retailer) - Nov 2015 – Feb 2017
  • Customer Segmentation
  • Customer lifecycle analysis
  • New Customer Analysis
  • Customer "Churn Analysis"
  • New Customer Marketing
  • Effective marketing strategy design - HyperGrower identification and Targeting
Data ModelingReporting Systems

Education

Vishwakarma Institute of Information Technology

Bachelor of Engineering (B.E.) — Computer Engineering

Jan 2011Jan 2015

Maharishi Vidya Mandir

AISSE

Jan 2001Jan 2008

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