Mukund Kulkarni
Product Analyst
Summary
As an analytical professional, I bring a wide range of experiences in Fintech, spanning payment systems, insurance, and credit risk management. Look forward to creating innovative, data-driven solutions to tackle challenging problems
Overview
7
7
years of professional experience
4
4
Languages
Work History
Lead Product Analyst
CRED
11.2021 - Current
- Actively leading analytics efforts for central payments team and insurance products at CRED. Leading a team of 5 junior analysts to churn out insights and optimal solutions
- All things analytics for payments platform at CRED : reporting of metrics, RCA frameworks for any change in key metrics, improving adoption of home grown payment method, optimizing payment gateway costs
- Launched multiple byte sized insurance products and our flagship vehicle management product : set up reporting, RCA frameworks and executed experiments. Scaled products to $20 Million yearly revenue, actively improved adoption by 30%, reduced cancellations by 60% & enabled product, biz and strategy teams with insights
- Built a framework to track share of wallet for PL biz at CRED, identified key reasons for gaps in share of wallet and solutions to improve it by 20%. Identified multiple insights while analyzing variation of book size of personal loan offering and forecasted the book size with <=5% MAPE
- Leading a novel initiative with external bureau vendors for building extensive market intelligence reports to understand growth, risk and cross sell behavior in Indian credit industry
SENIOR ANALYST - CREDIT RISK STRATEGY
PayPal
02.2021 - 10.2021
- Developed loss forecasting methodology for BNPL products across multiple international markets - PD/ LGD models and further utilized them for optimizing promotions
- Designed and implemented credit risk strategy for Spain BNPL(Pay in 3) product and led efforts with data science and external credit bureau.
SENIOR ANALYST - DECISION SCIENCE
Ola Financial Services (Part of Ola Group)
07.2018 - 01.2021
- Launched a digital postpaid card - offered higher credit lines, improved spends on the wallet and maintained risk across matured users. Helped instate data rule engine for automated credit limit increments and aspects of re-onboarding experience for high risk users
- Oversaw life cycle management (line increase/decrease) on postpaid services for ˜2 mil monthly active users by implementing behavioral scorecards. Decreased exhaustion rates and default rates across matured cohorts by ˜4% & 1.5% respectively
BUSINESS ANALYST
Tredence Analytics Solutions
01.2017 - 06.2018
- Worked in a team of three, to identify brick & mortar stores to open new online grocery business. Developed decision trees and linear models to predict the performance of each store
- Identified key drivers of net promoter score for online retail. Implemented regression models to evaluate impact of variables on net promoter score.
Education
Bachelors in Engineering - Electrical Engineering
RVCE
Bengaluru 07.2013 - 2017.07
Skills
Credit risk scorecards
Extra Curricular
- M.A.D (Make A Difference), U&I Trust Bangalore : Taught Mathematics to under-privileged students of Grade 9 and 11 (SSC) in regional languages
- Founded a e-commerce platform for the retail of used books and curated new study material for students. Operated across 10 universities, signed up 30K users on the platform within a year
Timeline
Lead Product Analyst
CRED
11.2021 - Current
SENIOR ANALYST - CREDIT RISK STRATEGY
PayPal
02.2021 - 10.2021
SENIOR ANALYST - DECISION SCIENCE
Ola Financial Services (Part of Ola Group)
07.2018 - 01.2021
BUSINESS ANALYST
Tredence Analytics Solutions
01.2017 - 06.2018
Bachelors in Engineering - Electrical Engineering
RVCE
07.2013 - 2017.07
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