Sumit Kumar

Director of Engineering

Bengaluru, Karnataka, India8 yrs 6 mos experience

Most Likely To SwitchAI ML Practitioner

Key Highlights

8 years of experience in Risk Analytics and Decision Science.
Proven track record in improving retention and compliance through analytics.
Expert in building data-driven frameworks for growth and risk management.

Stackforce AI infers this person is a Fintech professional specializing in Risk Analytics and Decision Science.

Contact

sumitju007@yahoo.com LinkedIn

Skills

Core Skills

Risk AnalyticsDecision ScienceAnalyticsData ScienceBusiness AnalyticsData AnalysisData AnalyticsData VisualizationProduct AnalyticsDashboard Creation

Other Skills

Portfolio OptimizationRisk-Based PricingPredictive AnalyticsAutomationSQLProduct DevelopmentProblem SolvingUser StoriesMicrosoft SQL ServerMicrosoft ExcelSQL Server Integration Services (SSIS)ProgrammingAnalytical SkillsProject ManagementEngineering

About

With 8 years of experience in Risk Analytics, Decision Science, and Growth Strategy, I specialize in building data-driven frameworks that drive growth while minimizing risk. At mPokket, I lead the Risk Analytics & Decision Science function for STPL, focusing on acquisition policies, portfolio optimization, and risk-based pricing to strengthen credit quality. I have a proven track record of improving retention, collections, and compliance through advanced analytics, automation, and product innovation—delivering measurable impact across growth, portfolio health, and operational efficiency. Passionate about leveraging data to balance scale with sustainability.

Experience

8 yrs 6 mos

Total Experience

1 yr 8 mos

Average Tenure

2 yrs 8 mos

Current Experience

Mpokket

3 roles

Director - Analytics & Decision Science

Promoted

Apr 2025 – Present · 1 yr 1 mo · Kolkata, West Bengal, India · On-site

Senior Manager - Analytics & Decision Science

Promoted

Apr 2024 – Mar 2025 · 11 mos · Kolkata, West Bengal, India · On-site

Oversee the Risk Analytics and Decision Science function for STPL at mPokket, dedicated to enhancing acquisition risk management, boosting approval rates, and improving overall portfolio quality.
Designed effective acquisition policies with elevated credit limits for low-risk salaried and self-employed clients, significantly improving portfolio quality through performance metrics-based credit adjustments.
Established a comprehensive Risk-Based Pricing System, successfully driving down the overall APR.
Developed Debt-to-Income (DTI) metrics for both internal and external trades, facilitating strategic credit line adjustments across diverse business segments.
Portfolio-Level Swap Out Analysis to reduce the risk.

Risk AnalyticsDecision Science

Manager - Insights

Jul 2023 – Mar 2024 · 8 mos · Kolkata, West Bengal, India · On-site

Engineered a churn prediction model that improved retention rates by 30 basis points in the M5+ segment.
Developed a comprehensive digital communication framework for collections that cut Days Past Due (DPD) by 20%.
Instituted UPI Autopay for outstanding dues and overdraft collections, enhancing overall collection efficiency by 20%.
Pioneered various integrations and proof-of-concept initiatives with third-party partners, including HV and Bureau.id etc for better Underwriting policy.

AnalyticsData Science

Khatabook

2 roles

Senior Business Analyst

Promoted

Oct 2022 – Jul 2023 · 9 mos

Executed growth experiments resulting in a 20% increase in MTUs.
Improved retention rates from 18% to 25% by implementing strategic changes.
Ensured compliance with Financial Transaction Service (FTS) and Customer Transaction Service (CTS) regulations
Enhanced KYC conversion rates from 35% to 46% by addressing user error data.

Business AnalyticsData Analysis

Business Analyst

Oct 2021 – Oct 2022 · 1 yr

Provided end to end analytics and data visibility for operations - resulting in a 10X growth in the daily
transacting amount over 6 months
End-to-end handled Payment Link Feature growth with minimal risk.
Reduced merchant liabilities through thorough account reconciliation of ~3K Cr.
Built Automated Alert for any anomalies in business KPI

Data AnalyticsData Visualization

Upgrad

Product Analyst

May 2021 – Oct 2021 · 5 mos · Bangalore Urban, Karnataka, India

Developed an Analytical Data Layer and reporting framework to optimize reporting processes, significantly reducing the analytics team's dependence on complex SQL queries.
Executed user limit enhancement experiments that increased homepage engagement, resulting in a 2% improvement in V2L metrics.
Enhanced the product metrics tracking system by establishing events across various devices for comprehensive feature analysis.
Successfully created measurement events for product performance metrics and designed user journeys on Clevertap, which enhanced program page engagement on upGrad.

Product AnalyticsData Analysis

Vedantu

2 roles

Senior Data Analyst

Jun 2020 – Apr 2021 · 10 mos

Created and defined comprehensive dashboards for sales performance, collections, and retention (L0/L1/L2), crucial for tracking key metrics and enabling self-service analytics.
Introduced real-time lead assignment processes by implementing the recency factor, boosting lead conversion rates by 40%.
Executed the V-Glance initiative in collaboration with the Product team, providing agents insights on leads to enhance pitch effectiveness and increase demo bookings, ultimately driving revenue.
Participated in the trial of a zero refund policy in select cities, which successfully scaled to all users due to minimal impact on collections while improving retention by 15%.

Data AnalysisDashboard Creation