SIDDHARTH B

• Led Business & Product Analytics for Instant Settlement (IS) and Payouts products, driving data-driven decision-making and strategic insights.
• Single Point of Contact (POC) for all analytical and data requirements related to Instant Settlement, ensuring seamless collaboration across teams.
• Spearheading analytical initiatives for the Payouts product in RZPX, aligning multiple stakeholders across Product, Business, Risk, and Operations to drive actionable insights.
• IS Churn - Early Indicators Analysis: Led an end-to-end deep-dive analysis, defining churn metrics, identifying key influencing factors, and segmenting impacted merchants. This insight-driven approach enabled targeted marketing strategies, resulting in a ~20% relative reduction in churn within 3 months.
• Merchant Happiness Index (MHI): Developed the MHI framework for IS to monitor key merchant experience drivers, leading to product performance enhancements. This initiative contributed to a ~5% improvement in MHI over 6 months.
• Conceptualized, designed, and implemented 10+ interactive Tableau dashboards for both IS and Payouts, capturing critical product and business metrics, enabling data-driven decision-making for multiple stakeholders.
• Developed robust monitoring frameworks for continuous tracking of key product metrics in IS & Payouts, enabling real-time insights and significantly reducing reliance on ad-hoc data requests by promoting a self-serve analytics culture.
• Built a risk policy framework for merchant acquisition and dynamic line assignment in IS, ensuring optimal utilization of IS limits while balancing risk and business growth.
• Currently working on GenAI-driven POCs to automate insight generation, enhancing decision-making efficiency for stakeholders across product and business teams.

• Developed and implemented credit risk strategies for SMEs, ensuring portfolio health, risk mitigation, and regulatory compliance.
• Designed and optimized credit risk models and underwriting strategies to improve initial credit line assignments, enhancing portfolio performance and risk-adjusted returns.
• Built and deployed a predictive PG Churn Model using Machine Learning (ML) to identify high-risk merchants likely to churn within the next 3 months. Insights from this model were integrated into account management strategies, proactively improving portfolio quality.
• Designed and automated data-driven strategies for Credit Line Increases (CLI) and Decreases (CLD) to optimize credit utilization. The automation of these processes enabled monthly dynamic credit adjustments.
• Owned portfolio performance monitoring and regulatory loss reporting for the Line of Credit (LOC) portfolio, ensuring accuracy, compliance, and proactive risk management.
• Empowered stakeholders with self-serve analytics capabilities, significantly reducing ad-hoc data and reporting requests, leading to improved operational efficiency.

• Designed and developed the first underwriting model and strategy for the Buy Now, Pay Later (BNPL) portfolio, leading to significant risk reduction and improved credit decisioning.
• Led proof-of-concepts (POCs) to integrate alternate data sources, enhancing risk assessment, credit underwriting, and overall operational efficiency across the organization.
• Mentored and guided junior analysts and interns, providing structured training, analytical oversight, and strategic direction for their risk analytics projects, fostering skill development and successful project execution.

• Led and mentored a team of 5 Junior Data Scientists and Analysts, fostering skill development, driving analytical excellence, and ensuring timely project delivery.
• Managed USA-based clients, leading the end-to-end development and implementation of credit risk models and strategies, aligning with business objectives and regulatory requirements.
• Developed a unified underwriting strategy, optimizing the credit journey to streamline approvals, enhance risk assessment, and drive sustainable acquisition growth.
• Spearheaded an automation and forecasting initiative for a leading bank, improving predictive accuracy and operational efficiency, enabling data-driven risk management.
• Conducted advanced analytics to identify key performance drivers, integrating insights into forecasting models to support financial planning, risk mitigation, and strategic decision-making.

• Developed a Risk Tier Migration dashboard with custom KPIs, enabling real-time portfolio health monitoring and proactive strategic interventions to mitigate risk.
• Led the SBFE - Line Assignment initiative, optimizing credit lines for customers without active revenue channels by leveraging SBFE bureau data. Conducted extensive simulations to determine optimal Net Credit Margin scenarios, improving portfolio profitability.
• Managed the credit portfolio for the Airbnb partnership, overseeing underwriting, credit line and pricing strategies, and dashboard development to enhance operational efficiency and profitability.
• Designed a high-accuracy qualification model using customer business data, significantly improving eligibility assessment, credit line assignment, and pricing strategies, driving increased lending platform volume and optimizing risk-adjusted returns.

Business Banking, USA: Overdraft, USA:

• Conducted cluster analysis on legacy applications, establishing a risk-reward framework to monitor credit application health and improve decision-making.
• Optimized line assignment and pricing strategies for end-to-end account originations, enhancing portfolio profitability.
• Increased automatic processing rates of credit card applications by 5% by eliminating irrelevant decision criteria, streamlining approvals.
• Reduced manually underwritten applications by 5% in compliance with HSBC regulatory standards by evaluating and refining exceptionally approved cases.
• Analyzed unstructured text data from underwriter comments to identify key decision trends, driving automation initiatives and process improvements.
• Led the seamless migration of data to a new system, collaborating with cross-functional teams to ensure a smooth transition with minimal disruption.
• Automated and streamlined the overdraft reporting process using SAS, Excel, and VBA, achieving efficiency gains equivalent to 1 full-time employee (FTE).
• Proposed and implemented decision-making strategy enhancements, improving straight-through processing rates by ~8%, reducing manual interventions.
• Managed ad hoc business analyses, delivering critical insights daily to support risk assessment and portfolio strategy.
• Enabled cross-functional teams with accessible and actionable data formats, fulfilling 90%+ of data requests, averaging 10+ requests per week.

• Assisted VC clients in sourcing high-potential startups across HR-Tech and Ad-Tech sectors, facilitating strategic investment opportunities.
• Conducted in-depth market analyses and due diligence, identifying promising investment and acquisition targets based on industry trends and financial viability.
• Authored and published sector-specific market reports for the Indian startup ecosystem, providing data-driven insights for online publications and industry stakeholders.
• Designed and developed an Analyst Productivity Dashboard, enhancing performance tracking and decision-making, leading to a 2x improvement in analyst efficiency.
• Automated marketing report generation using Excel, VBA, and Google Spreadsheets, significantly reducing manual effort and improving turnaround time.

• Developed price sensitivity models using Linear Regression, analyzing key sales drivers such as pricing elasticity and external factors, optimizing pricing strategies.
• Built an ARIMA-based time series model for accurate sales forecasting, improving demand planning and inventory management.
• Applied association rule mining on transaction data, identifying frequently purchased item combinations, enabling effective bundling strategies to drive sales.
• Designed and deployed interactive dashboards and reports, providing real-time tracking of business growth and key performance metrics, enhancing data-driven decision-making.