Nikhil Jhunjhunwala
Bengaluru
Summary
Results-driven analytics professional specializing in fraud risk and marketing analytics. Expert in SQL and data analysis, driving strategies that enhance customer segmentation and optimize business processes. Committed to leveraging data for informed decision-making and fostering innovation.
Overview
5
5
years of professional experience
Work History
Senior Associate, Fraud Risk Strategy
JPMorganChase
Bengaluru
01.2025 - Current
- Led the end-to-end launch of ID Scan for credit cards, including strategic analysis, simulations, performance monitoring, and continuous optimization, resulting in a 60% reduction in manual operational reviews.
- Identified and executed a fraud risk optimization opportunity to reduce Identity Theft pends for the United co-brand portfolio by leveraging external partner data, delivering ~$6M in annual net incremental NPV.
- Owned fraud risk analytics for the Amazon co-brand portfolio, providing data-driven insights and recommendations that optimized business processes and informed key strategic decisions.
Senior Analyst, Cards Acquisition Strategy
American Express
Gurugram
08.2021 - 01.2025
- Led acquisition analytics for the U.S. consumer credit card referral channel, partnering with marketing and product teams to drive personalized offer strategies and profitable growth.
- Strategized and implemented tiered referral offer personalization using marginal ROI analysis and holdout-based experimentation, delivering $100M+ annual incremental revenue at ~490% incremental ROI.
- Built a content personalization capability to dynamically serve tailored referral content, improving CTR and generating $10M+ annual incremental revenue.
- Optimized referral targeting controls to mitigate social media virality risk, preventing ~$15M in unprofitable investment.
- Developed targeting rules for premium Platinum & Gold Cardmember segments, driving higher-quality acquisitions (~27% higher spend, ~17% lower attrition) and delivering 10K+ incremental annual new accounts at 500%+ ROI.
Education
M.A. - Economics
Delhi School of Economics, University of Delhi
New Delhi, India07.2021
B.A. - Economics
Jadavpur University
Kolkata, India06.2019
Skills
- SQL
- SAS
- Snowflake
- AWS Athena
- Adobe Analytics
- A/B testing
Languages
English
Proficient (C2)
C2
Accomplishments
• Received Professor Balvir & Ranjana Singh Memorial Scholarship for securing 5th rank in the MA Economics entrance exam of DSE, 2019
• Qualified Financial Mathematics(CT1) and Contingencies(CT5) actuarial exams from Institute and Faculty of Actuaries(UK)
• Qualified Probability and Statistics(CT3) and Business Economics(CT7) actuarial exams from Institiute of Actuaries of India
• Qualified Financial Mathematics(CT1) and Contingencies(CT5) actuarial exams from Institute and Faculty of Actuaries(UK)
• Qualified Probability and Statistics(CT3) and Business Economics(CT7) actuarial exams from Institiute of Actuaries of India
Timeline
Senior Associate, Fraud Risk Strategy
JPMorganChase
01.2025 - Current
Senior Analyst, Cards Acquisition Strategy
American Express
08.2021 - 01.2025
M.A. - Economics
Delhi School of Economics, University of Delhi
B.A. - Economics
Jadavpur University