KSHITIJ JHAMB
New Delhi
Summary
Analytics AVP with 8.5+ years of diverse experience in the data analytics and big data ranging across top startups, consulting organizations and banks solving problems ranging from Customer/Risk/Product/Optimization/Digital lending.
I help in creating end to end analytics solutions to solve ambiguous business problems mainly around customer marketing and risk analytics using SQL, Python,Excel and Tableau
Overview
8
8
years of professional experience
6
6
years of post-secondary education
Work History
AVP Product & Risk Analytics
Paisabazaar
04.2022 - Current
- Lead Policy, Risk and product journey for Prime lending product to scale from 0 to 1cr/month in prime loans
- Created of Prime & Near prime Risk policies leading to creation of co-created loan/credit line products used in the company to give perpetual revenue stream.
- Using Data analytics created segments among users where supplier/demand is very low and Risk is controlled leading to multiple partnerships across NBFC's across PA/STPL loans
- Worked across lending partnerships to negotiate product journeys to create class leading product journey in lending
- Set up MIS/ reporting and daily tracking for all API's / journey drop offs and web logs
Senior Manager Product Analytics
paisabazaar
09.2019 - 03.2022
- Paisabazaar is India’s largest marketplace for loans and credit cards, part of EtechAces group with group valuation of >$6Billion
- I managed entire Analytics and product strategy team of 4 for Core Product of Paisabazaar – Bureau responsible for 15% of overall revenue
- Lead cost save of 1 crore INR (or 100K USD) /month by optimizing refresh rules for customers by initiating Cost optimization model to generate give customer refreshes with minimal impact to x-sell
- Customer journey , customer profiling, Risk( PD estimation), estimating P&L
- Reduced Cost/Revisit by 54% by Customer engagement retention and outreach programs- who to target, when to target, how to target based on analytics
- Increased x-sell on platform by 13% by optimizing the x-sell product recommendation based on next best offer model
- Audited financial projections for Bureau P&L by automated categorization of overall bureau revenue reporting thereby capturing 15% missed revenues
- Increased session time spent on platform by creating Score Simulator to predict Bureau score post 3 months using XGBoost modelling
- Working with all 4 bureaus (Cibil, Highmark, Equifax, Experian) to create Central Engine for Pre-approved programs – Prioritized pre-approved base for 10+ partner banks and NBFC through a central rule engine that classifies customers based on risk category
Analytics Manager
IndusInd Bank
05.2017 - 06.2019
- Lead analytics Manager for Mobile/Web for all in-house analytics design and strategy to drive business performance and support senior leadership
- Created customer segmentation using RFM scoring to target high propensity high risk customers likely to churn on mobile app which helped reduced attrition by 10%
- Created customer persona using transaction analysis, and doing context-based marketing campaigns and achieved 1.5X growth in registrations and 2X transactions in 1 year through multiple analytics initiatives
- Predicted how /what/when to target for 30+ D2C campaigns, leading to increase in overall click rates over 100%- and 1.2-times industry average
- Creating strategy to target household using fuzzy matching and identifying relationships within leading to impact of 150+ crore (21M USD) in CASA deposits
- Developed Next-best –action using sequence mining of user transactions to predict likely user behavior in next 30 days with accuracy of 78%
- Created data pipelines to ingest and parse 3rd party data from weblogs and SMS to determine key indicators from semi structured data using python, regex
Analytics Analyst
Accenture Management Consulting
08.2015 - 04.2017
- Lead big data and Analytics architecture offshore team (5 people) in the delivery of overall analytical architecture: ingesting, parsing and running hive scripts on terabytes of data used for analytical models on a 30+ node Hadoop cluster enabling the client to have 50% operational efficiency in running analytical models (over 50) on weekly basis
- Developed CAR/PAR/JAR models derived from raw company data to track improvements in organizational efficiency.
- Created unified analytical insights across all different digital channels – DW, API streams, Web logs, social media data and external 3rd party data leading to improve data modelling activity and reduction in feature creation pipelines from 10 days to 1 day
- Commended by MD for going above and beyond in ensuring client satisfaction in terms of delivery –development and QA
- Developed Customer analytics Record (unified analytics reporting dimension) patented by Accenture using hive, designed data models, integration practices for creating predictive churn models in R handing >1TB data in the process
- Acted as big data SME to drive the data architecture for the technologies used for analysis of customer churn enabling batch run of models over 1billion data points
Business Technology Associate
ZS Associates
02.2014 - 08.2015
- Worked in a team of 2 in integrating Hadoop based BI and analytics platform for aligning sales metrics and new field forces for a new product launch for a pharma giant which resulted in growth of business of the client with ZS by 5X in 1 year due to the success of this platform.
- Forecasted data to project future sales using predictive analytics along with competitor’s analysis on defined KPI’s ,technologies-AWS, HDFS, S3, Excel, Hadoop, Analytics, Impala
- Worked in a team of 5 to transform a complete BI solution to Big Data/Cloud based architecture using Amazon EMR clusters reducing the Turnaround time from 7 days to 1 day and cost reduction by 20% with 20 times more data
- Was Awarded as the most impactful projects in terms of client impact and innovation within ZS Worldwide
- Worked in a team of 4 in a client sponsored POC for 2.5 months to research and demonstrate the best practices in big data in terms of storage, cluster allocation, security and technology comparisons between various big data tools/technologies
- Recommended use of best fit AWS cluster types by assessing the client's current data processing structure including estimation of AWS costs over 2-year period v/s buying in house
Education
Master of Science - Analytics
Georgia Institute of Technology
Atlanta,USA 04.2019 - 04.2021
B-Tech - Computer Science Engineering
Guru Gobind Singh Indraprastha University
01.2009 - 01.2013
Skills
- SQL
Timeline
AVP Product & Risk Analytics
Paisabazaar
04.2022 - Current
Senior Manager Product Analytics
paisabazaar
09.2019 - 03.2022
Master of Science - Analytics
Georgia Institute of Technology
04.2019 - 04.2021
Analytics Manager
IndusInd Bank
05.2017 - 06.2019
Analytics Analyst
Accenture Management Consulting
08.2015 - 04.2017
Business Technology Associate
ZS Associates
02.2014 - 08.2015
B-Tech - Computer Science Engineering
Guru Gobind Singh Indraprastha University
01.2009 - 01.2013
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