Aniket Sharma
Mumbai
Overview
7
7
years of professional experience
1
1
Certification
Work History
Team Member Strategy & BD CEO's Office
Aditya Birla Capital
Mumbai
05.2023 - Current
- Drove branch and business expansion strategy using bureau industry data across products, setting quarterly growth and market share targets.
- Evaluated inorganic growth opportunities through assessment of acquisition targets and asset portfolios.
- Prepared high-impact strategy decks and documents for investor presentations, chairman reviews, board meetings, and conference calls.
- Led an organization-wide cross-sell program across all LOBs, delivering ₹1,000 Cr+ annual disbursal uplift, and introduced dynamic risk-based pricing to optimize yields.
- Designed and operationalized a retention calculator (deployed in call centre & service teams) to curb ~5% book erosion by minimizing foreclosures across multiple loan products.
- Conducted geospatial sourcing analysis for 19K+ locations across 400+ branches using Google Geocoding API, optimizing branch-level acquisition strategy.
- Implemented lead management system enhancements for secured & unsecured loans, integrating with LMS to filter 10M+ leads annually.
- Tracked and analyzed delinquency at city/product level, collaborating with risk, policy, collections, and sales teams to implement ECL reduction strategies.
- Defined and delivered detailed requirements (use cases & user stories) for digital upsell & cross-sell journeys.
- Partnered with data science and analytics teams to scope, design, and implement scorecards and business rules in BRE.
- Coordinated multi-department workshops (product, policy, analytics, IT) to align requirements, build project plans, and ensure on-time execution of initiatives.
Senior Manager Business Intelligence Unit
IDFC First Bank
BKC, Mumbai
11.2021 - 05.2023
- Developed a behavioral scorecard for rural mortgages (top-up & retention) that reduced customer churn by ~20%while improving overall loan book quality.
- Designed collection strategies across 6 rural loan products, building 7 predictive models for roll-back and normalization of accounts across different DPD buckets.
- Led UAT for migration to AWS S3, creating an in-house data mart to streamline data access and reporting.
- Conducted knowledge-sharing workshops on model development best practices, delivering SageMaker notebook walkthroughs for the analytics team.
- Performed ad-hoc portfolio analyses for quarterly & annual reporting, and collaborated with external stakeholders to integrate alternate data sources.
Manager Risk Analytics
Axis Bank
Mumbai
04.2020 - 11.2021
- Monitored key risk metrics across 7 loan products, ensuring strict adherence to RBI regulations and internal risk guidelines.
- Defined risk guardrails for Wheels, LAS, and ODFD products, strengthening portfolio quality and policy discipline.
- Automated daily and monthly risk dashboards using SAS Macros, integrated with 35+ Tableau views to provide real-time insights on sourcing, portfolio risk, and moratorium behavior.
- Built customer-level risk aggregation framework for retail lending, enabling a holistic risk view at customer level vs. account level.
- Devised cut-off strategies for the new application scorecard in used car loans, optimizing approval rates while containing portfolio risk.
- Simulated risk impact of policy changes, analyzing approval rates and delinquency outcomes to recommend amendments to policy norms.
Senior Analyst
Si Creva Capital Services (Kissht)
Mumbai
05.2019 - 04.2020
- Built and deployed a 15-day payday loan model (end-to-end: variable generation, testing, validation, and stability monitoring) leveraging bureau and digital data variables.
- Streamlined underwriting policy & funnel control for consumer loans and franchisee products by capturing real-time accept/reject data through coded criteria.
- Automated risk dashboards to monitor repeat borrowing, fraud, and default rates, including segmented demographic vintage curves for deeper portfolio insights.
- Engineered new scorecard variables by utilizing alternate data sources and ~2,500 bureau attributes, enhancing risk prediction accuracy.
- Developed and maintained automated underwriting codes for the cross-sell segment (~5% of total loan book), improving efficiency and scalability.
- Led onboarding and training of 7 data engineers, establishing daily reporting processes and collection metric tracking.
Management Trainee
Qbera Personal Loans
Bangalore
04.2018 - 05.2019
- Developed a bank statement parser (PDF & XML) to extract and analyze key financial indicators (salary, run-off days, AMB, EMIs, spending patterns), enabling accurate customer segmentation and loan underwriting.
- Built a scalable web scraper (regex-based) that captured data on 1.9M+ companies (incorporation details, paid-up capital, director linkages), strengthening company risk categorization and credit assessment.
- Designed and implemented a proprietary automated credit scorecard that evaluates creditworthiness, lending limits, and pricing using customer demographics, credit history, and behavioral data.
- Delivered monthly cohort analyses, top-line/bottom-line reporting, and funnel simulations, driving strategic decisions such as FLDG partnerships and targeted policy interventions across customer segments.
- Engineered a fully automated underwriting engine processing ₹1M+ cases monthly, powering the top-up loan segment (6–7% of total disbursals) by validating repayment history, calculating EMIs, and generating FOIR-based offers.
Education
PGDM - Finance
Indian Institute of Management Jammu
Jammu03-2018
Bachelor of Technology - Mining
National Institute of Technology Raipur
Raipur03-2015
Higher Education -
Delhi Public School Bhilai
Bhilai03-2011
Skills
- Risk & Financial modelling (Python, SQL, SAS, AWS)
- Risk Scorecard Development (Application, Behaviour & Collections)
- Strategic Planning
- Asset Evaluation
- Cost-benefit analysis
- Business process improvement
- Product & Project Management
- Advanced Data Analysis & Predictive Modelling
Accomplishments
- Secured Kaggle world rank 3rd in a swag competition
- Secured an all-India rank of 146 in the Graduate Aptitude Test in Engineering
- Completed a 3-credit course at ESCP Europe London
Certification
Neural Networks and Deep Learning
DeepLearning.AI
Issued Sep 2024
Credential ID 6UKSNYGON7RJ
Timeline
Team Member Strategy & BD CEO's Office
Aditya Birla Capital
05.2023 - Current
Senior Manager Business Intelligence Unit
IDFC First Bank
11.2021 - 05.2023
Manager Risk Analytics
Axis Bank
04.2020 - 11.2021
Senior Analyst
Si Creva Capital Services (Kissht)
05.2019 - 04.2020
Management Trainee
Qbera Personal Loans
04.2018 - 05.2019
PGDM - Finance
Indian Institute of Management Jammu
Bachelor of Technology - Mining
National Institute of Technology Raipur
Higher Education -
Delhi Public School Bhilai
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