THAKUR KUMAR
Gurgaon
Summary
Business leader with 13+ years’ experience leveraging data and analytics to drive decision making and competitive advantage across lending,growth, marketing and operations. Skilled at aligning analytics vision and strategy to the business strategy to drive maximum business value.
Overview
13
13
years of professional experience
Work History
AVP, Fraud & Risk Management
Paytm
12.2023 - Current
- Leading collections data science models to predict delinquency, roll-forward, and GCL customers accurately to ensure the efficient collections operations.
- Define and enable continuous improvement in collections strategy for both customers and merchant loans.
- Heading data analytics and product management team at Paytm to reduce payment frauds by customers and merchants.
- Optimized risk rules and models to flag suspicious customers and transactions, resulting in a reduction of fraudulent transactions on the platform.
- Led implementation of Account takeover and Card takeover models to prevent frauds proactively.
- Implemented measures to prevent and detect fraudulent activities, ensuring the safety and security of customer transactions
Principal Product Manager - Analytics
Bharti Airtel
07.2021 - 12.2023
- Responsible for driving analytics maturity and value extraction across the organization
- Driving data strategy with data products, data driven insights to improve cross-sell/up-sell avenues for the organization. This has a potential impact of revenue uplift worth ~1,000 Cr
- Responsible for creating data product roadmap to drive data driven decisions across the organization
- Optimizing the omni channel customer experience by providing customer context, preferences, and affinities across channels
- Enabling business to personalize customer offerings based on customer’s propensity towards certain products
- Built fraud platform and enabled business to save 200 Cr annually by minimizing frauds.
- Managing the data products and analytics ecosystem to support lending operations which does 150 Cr disbursal and 20K credit cards each month.
- Enabling data intelligence across Core Telco, Ads, Financial services businesses
- Create data products to drive metrics consistency across the organization
Principal Data Analyst
Bharti Airtel
10.2020 - 06.2021
- Lead the product and business analytics for Payments & Financial Services at Airtel
- Partner with product and growth leaders to identify & solve key business problems and drive Airtel Pay to success
- Set up the end to end analytics for Airtel Pay to monitor and improve customer engagement, conversion and retention
- Set up, implement and measure the A/B experiments for new product features/growth experiments and stitch end to end customer journeys
- Co-create the product roadmap and growth strategy with product and growth teams
- Created customer funnels for all the use cases for Airtel Pay (Recharges/Bill Payments/UPI)
- Enabled product and tech teams to improve checkout page conversion rate by 7%
Manager
Freecharge Payment Technologies
03.2018 - 09.2020
- Led the Data & Product Analytics team at Freecharge
- Own the vision and roadmap for the team and help in driving the strategy for the organization
- Partner with CXOs and business leaders to identify & solve key business problems and collaborate with Marketing, Product and Tech teams
- Designed solutions for Personalization, Retention and Customer Experience to drive Conversion and Retention
- Designed solution for pushing financial services products to the users with higher propensity towards such products. This was implemented using alternate data from user’s device
Senior Consultant - Analytics & Data Science
Absolutdata Analytics
06.2017 - 03.2018
- Built Customer 360 view for MTN’s customer base (~54 million) to understand the customers better to enable upsell and cross-sell analytics
- Responsible for Upgrading MTN Nigeria’s data management from relational database management system to HDFS platform to enable big data analytics.
Data Integration Specialist & Data Analyst
Infosys Ltd, Australia Bank
06.2014 - 05.2017
- Designed the integration pattern between the Global Data Warehouse and Tallyman system
- Build 15 plus interfaces to integrate data from global data warehouse to Tallyman product to feed into the Collections strategies
- Analyzed the data for Small Business accounts and created a predictive model to predict the accounts that might go delinquent and would be moved to Collections system
- Migrated customer credit application and bureau data from Teradata to Oracle Exadata.
Data Warehouse Developer
Infosys Ltd India, National Australia Bank
03.2011 - 06.2014
- Created and managed knowledge modules on Oracle data integrator to dump data from Oracle to Teradata to support campaign management
- Built Teradata driven solution to send campaign leads to campaign execution team
Education
Young Leaders Program in General Management - General Management
IIM Bangalore
Bangalore01.2020
Bachelor of Technology - Electronics and Communication Technology
Uttar Pradesh Technical University
06.2010
Skills
- Financial Services
- Fraud Strategy
- Risk Management
- Collections Strategy
- Data Strategy
- Customer Analytics
- Product Analytics
- Fraud Analytics
- Business Analytics
- Data Products
- Financial Services
- Banking
- Telecom
Timeline
AVP, Fraud & Risk Management
Paytm
12.2023 - Current
Principal Product Manager - Analytics
Bharti Airtel
07.2021 - 12.2023
Principal Data Analyst
Bharti Airtel
10.2020 - 06.2021
Manager
Freecharge Payment Technologies
03.2018 - 09.2020
Senior Consultant - Analytics & Data Science
Absolutdata Analytics
06.2017 - 03.2018
Data Integration Specialist & Data Analyst
Infosys Ltd, Australia Bank
06.2014 - 05.2017
Data Warehouse Developer
Infosys Ltd India, National Australia Bank
03.2011 - 06.2014
Young Leaders Program in General Management - General Management
IIM Bangalore
Bachelor of Technology - Electronics and Communication Technology
Uttar Pradesh Technical University
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