Head Of Artificial Intelligence
CurrentLeading several directions of AI implementation in bank.Managing, developing and implementation ML/DS/CV/AI solutions to different processes in bank (risk management, anti-fraud, personalization, customer value maximization, churn prediction etc):– Digital Underwriting by AI.AI model for automation manual underwriting in credit risk process for 4 main credit products: cash loan, credit card, car loan and mortgage. Model helped to increase velocity of response on request for loans in 3 times, automated manual process of decision making on 67%, increased the conversion rate from application to activation on 20%.The economic efficiency of the project is >600 million rubles per year.- Anti-fraud transaction system.AI model for detecting fraud credit card transactions of clients. Monthly clients lose due to fraud about 20-30 million rubles. The model decrease amount of fraud in 2 times and provide low level of false positive predictions of non-fraud transactions. Model helps to save >150 million rubles per year.- Personalization and automation of customer acquisition process on different banking products (premium package, car loan, ecosystem subscription “Ogon”).AI model for automated and effective customers attracting on different banking products. The efficiency of communication with clients on few channels was increased in 2-3 times on different products: premium package, car loan and ecosystem subscription “Ogon”.For example, on premium package 1000 calls converted in 100 applications, now with AI model 1000 calls converts in 250 applications on product. Efficiency of process increased in 2.5 times.The economic efficiency of the project with premium package is about 684 million rubles (LTV) for 2 years (Product lifetime).