Omkar Kulkarni

• Head Data Science for the Bajaj Finance's Web Business and Group Marketing Department. Catering to data capability requirements for the all the digital properties of the company
• Utilized advanced querying, visualization and analytics tools to analyze and process complex data sets.
• Worked with stakeholders to develop quarterly roadmaps based on impact, effort and test coordinations.
• Identified, measured and recommended improvement strategies for KPIs across business areas.
• Assessed accuracy and effectiveness of new and existing data sources and data analysis techniques.
• Reviewed marketing department's monthly analysis of customer acquisition data and campaign performance and made recommendations for improvement.
• Monitored user behavior and lead generation.
• Created business plans and project management plans to define milestones and guide account managers.
• Recommended performance improvements based on KPI analysis.
• Analyzed third-party data and investigated new growth opportunities.
• Increased brand awareness through targeted initiatives.
• Mentored and guided executive team during business development decision-making to optimize profitability, marketing strategy and communications planning.

The role involves interaction with business leaders for 3 businesses( Investment, Insurance and Lending) within BFL, understanding business problem, translating them into Data based solutions, liaising with IT team to get solution deployed for utilization by business.

Projects Baskets Managed for Insurance Business

• Creation of end to end recommender system solving for Propensity to buy Insurance(Health, Life and Motor). This is being deployed on app environment for end - to end personalized experience to customer.
• Creation of optimization models solving Claim and Cancellation.
• Exclusively work on unorganized data to retrieve customer level SMART to provide a more personalized and digital journey to customer on WEB & APP.
• Creation of a completely automated customer personalization on APP and WEB.

Projects Baskets Managed for Investment Business

• Creation of customer recommendation model to solve for Mutual Fund & FD businesses. This is being deployed on app environment for end - to end personalized experience to the customer.
• Full stack development of alternate data based customer affluence and affinity model help provide sharp product and channel recommendation.
• Creation of a completely automated customer personalization on APP and WEB.
• Creation of Investment Mart that is been utilized as a central system for all up-stream capability development activities for Investment business.

Projects Baskets Managed for Lending Business

• Creation a Rural mart to solve for campaign and reporting requirements.
• Creation of customer segmentation with end-use in Risk scoring, campaign planning and customer selection for different product offering.
• Developing customer insights using alternate data for sharp explicit tag’s utilized in personalization and risk scoring.
• Propensity model development for Gold loan business.

The role Involved creating a full stack data enabled process solving for customer affluence and affinity based recommendation process, solving for customer selection for On-bound campaigns for the Consumer business. The role also required solving for BI requirements raised by the business. Additionally I was managing the capability building efforts for the ARU under this role.

Projects Handled Via the Analytics Wing

• Create product recommendation framework across the BFL's B2B franchise providing customer level L1,L2 and L3 level recommendations.
• Create a 360 degree automated process enabling right customer selection to the right offer via right channel .
• Understand and analyze Wallet click stream data and further develop a wallet property metricizing process for horizontal consumption.
• Create recommendation models predicting high propensity transacting customer base for seasonal and non seasonal months.

Projects Handled Via the BI Wing

• Create automated reporting mechanism helping business team with insights on KPI at real time, Near real time and Bach mode done via reporting tools like Power BI, Tableau, Einstein Analytics & SSRS.
• Provide data insights to the business teams using descriptive analytics towards resolution of use cases like New Product Launch, New Business initiatives or Seasonal requirements.
• Work with IT team towards process automation enabling touch free execution of Campaign.

Projects Handled Via the Capabilities Wing

• Creation of Offers Mart - Enabling the dealer network host store level offer to be further propagated via BFL campaign orchestration process.
• Creation of RCPS - automated process enabling ARU team propagate offer real time to the customer based on his/her product purchase triggers.

Project Handled: - Consumerization of Prospect Marketing

• Develops the Prospect capability, lead a team of people comprising of both direct and indirect reports and motivate the group through clear communication and strategy.
• Lead team in the data acquisition, enrichment, synthesis process and creation of actionable insights, implications and recommendations to address right offer and /or identify opportunities.
• Research new and non-traditional sources of data enrichment for right offer and right contact ▪ Liaise with business to understand their data requirements and accordingly formulate policy formulation.
• Sets strategic road map for data storage, cleaning, de-duplication and related builds.
• Develop and/or communicate strategy to implement the objectives of the organization and guide others in linking their activities to the objectives.
• Participate in the planning process to scope businesses needs for data and frame up relevant action plan to meet their requirements.

Project Name :- Golden Record :Creation Of BFL ID:-

• Create a dedupe process stitching all the customer level data produced with the BFL ecosystem.
• Develop a dedupe rule engine enabling customer level record with the most resent and frequent data for the customer.
• Create a end to end wire frame enabling horizontal utilization of the capability.

• Credit Appraisal of clients falling under SME segment for funding unsecured Business Loans and Salaried Loans.
• Management of business loan portfolio with minimum delinquency.
• Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
• Confer with credit association and other business representatives to exchange credit information.
• Generate financial ratios, using computer programs, to evaluate customers' financial status. ▪ Review individual or commercial customer files to identify and select delinquent accounts for collection.
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

• Develops a business plan and strategy for the market that ensures attainment of company sales goals and profitability.
• Responsible for the performance and development of the business Officer.
• Prepares action plans by individuals as well as by team for effective search of sales leads and prospects.
• Assists in the development and implementation of marketing plans as needed.
• Conducts one-on-one review with all business Officers to build more effective communications, to understand training and development needs, and to provide insight for the improvement of Sales Officers sales and activity performance.
• Provides timely, accurate, competitive pricing on all completed prospect applications submitted for pricing and approval, while striving to maintain maximum profit margin.
• Controls expenses to meet budget guidelines.
• Adheres to all company policies, procedures and business ethics codes and ensures that they are communicated and implemented within the team.

• Assessed budget plans and present costs to forecast trends and recommend changes.
• Boosted branch sales by developing and deepening customer loyalty through incentive programs.
• Assessed employee performance and developed improvement plans.
• Protected company assets with strategic risk management approaches.
• Maintained friendly and professional customer interactions.
• Generated dramatic improvements across entire sales cycle, including prospecting, conversion and contract negotiation.
• Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
• Expanded territory by effectively negotiating beneficial deals for principle product sales, distribution and service.

• Assessed employee performance and developed improvement plans.
• Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations.
• Reviewed and edited loan agreements to promote efficiency and accuracy.
• Originated, reviewed, processed, closed and administered customer loan proposals.
• Consulted with representatives of regulatory agencies to complete accurate filings and uphold strict compliance.
• Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
• Identified and capitalized on community business opportunities with effective networking.
• Recommended loan approvals and denials based on customer loan application reviews.

• (2 years 7 months) Managing Branch Operation Credit Appraisal of customers for Loans allocation (credit signing authority of 60 k) 3 Credit Appraisal of customers for Loans allocation.
• Cash Management for the Branch Analysis of the Disbursed Loans Formulating Step for a progressive increase in the EBIT of the Branch Managing the Verification agency and the Fraud control agencies Creditability and risk analysis of Parties involved in leading.
• Formulating steps to restructure the loan for parties, based on the Financial Stms provided.