Mumbai Metropolitan Region
With over 19 years of experience in analytics and retail banking, I have led large scale growth and profitability initiatives across Liabilities , Wealth and Lending businesses. My focus has been on transforming customer and portfolio intelligence into actionable strategies that accelerate acquisition, deepen relationships and enhance lifetime value. I operate at the intersection of business strategy, marketing, risk and data analytics - partnering with senior leadership and C-Suite to shape growth roadmaps and drive measurable revenue outcomes by providing analytical led solutions to their business problems in a structured and seamless execution framework. My experience spans across customer lifecycle management, cross-sell, retention and scalable data science driven decision frameworks. Beyond delivering insights, I build high-performing teams, foster cross-functional alignment and embed analytical driven solutions to drive sustained P&L impact.
- Building and scaling analytics teams that drive insights across banking, wealth, loans and insurance products enabling strategic decision making at leadership and C-Suite levels - Enabling portfolio insights, bureau analytics, asset competition benchmarking, banking affluency scorecards, propensity models for liabilities and wealth products using AI/ML ensuring effective implementation that delivers tangible business outcomes - Designing and Optimizing cohort-based campaigns and personalized offerings to improve adoption of pre-approved loans, pre-approved insurance offers, mutual funds and deposits across Branch & D2C channels, also developed frameworks to enhance RM productivity and portfolio performance including high-value affluent segments - Partnered with Product, Marketing, Business, Channel and Risk teams to align analytics with business goals, drive cross-sell and balance build-up strategies to increase revenue for the bank - Embedded a data driven and collaborative culture ensuring insights translate into measurable results for both retail and affluent banking portfolios
- Contributed to branch network expansion strategy by analysing potential locations, customer demographics and digital engagement patterns. To optimize branch performance, developed digital customer journeys, mapping touchpoints and leveraged data to improve CASA acquisition, engagement and retention - Developed and implemented AI/ML driven customer and credit propensity models and partnered with product, marketing and business teams to implement liabilities and wealth product cross-sell programs and personalized pre-approved loan campaigns for driving revenue and market penetration - Launched bank statement analyser by integrating third-party data to build customer profile based product recommendations, faster credit decisioning, curated loan limits and pricing leading to lower acquisition cost, quick turn around time thus strengthening customer experience - Led a high-performing analytics team in model development, customer segmentation while fostering a culture of accountability, collaboration and continuous learning
- Advised leadership on designing and implementing analytics team for retail banking portfolios, from hiring and skill mapping to defining team structure and governance - Defined analytics strategy, processes and workflow to ensure the teams deliver actionable insights that drive portfolio growth, risk management and cross-sell initiatives - Mentored analysts for building capability, governance and technical expertise to scale analytics functions sustainably - Enabled business functions to integrate analytical models into decision making for improving customer targeting , collection efficiency and key business metrics
- Led end-to-end credit risk model development, including application and behavioural risk scorecards for improving approval accuracy and portfolio quality across products like Personal loan, Auto Loan, Cards - Leveraged bureau analytics and external data sources to enhance customer risk assessment, segmentation and credit decision making - Developed frameworks for portfolio monitoring, early warning indicators and risk-adjusted cross-sell strategies improving customer lifetime value while managing risk exposure - Partnered with Business and Credit teams to align risk models and cross-sell insights with acquisition and revenue goals - Mentored and guided analysts on model development, validation standards and regulatory compliance