Avinash Kumar Email & Phone Number

Gurugram, Haryana, India

Dubai, United Arab Emirates

Development of credit underwriting policy from scratch for $1.5Bn lending portfolio of a South African bank• Customer journey mapping, risk segmentation, decisions and offer generation for PL and CC portfolio• Incorporation of credit scorecards (Application, Behavioural, Collection, Custom) for accurate customer risk assessment and credit risk management models (PD, LGD, EAD) to estimate credit loss for decisioning• Delivery of Early Warning Signals, power curve risk strategy… Show more Development of credit underwriting policy from scratch for $1.5Bn lending portfolio of a South African bank• Customer journey mapping, risk segmentation, decisions and offer generation for PL and CC portfolio• Incorporation of credit scorecards (Application, Behavioural, Collection, Custom) for accurate customer risk assessment and credit risk management models (PD, LGD, EAD) to estimate credit loss for decisioning• Delivery of Early Warning Signals, power curve risk strategy dashboards to monitor and control portfolio risk• Implementation of IFRS 9, portfolio, and board reporting dashboards to assess performance on business goalsDeployment of 20+ analytical models for Next Best Action program generating $380Mn. in ENR for a UAE bank• Lead-list generation models to cross-sell top-up and core products across credit card, CASA, personal loan, vehicle loan and home loan. Churn prediction and pricing elasticity models tailored to secured lending products • Early activation models tailored to credit cards and identification of customer affinity to marketing channels Implementation of IFRS 17 regulatory compliant financial model from scratch for Asia-Pacific based insurance firm• Design of functional & and technical specification documents based on business requirements provided by the client• Quality assurance of contractual service margin and fulfillment cashflow calculation using all three approaches (general measurement model, variable fee, and premium allocation) for both insurance and reinsurance portfolio• Achieved automation of report generation and developed visual dashboards catering to diverse audience setsEnhancement of data storage model and incorporating AI/ML capabilities for a Canada based Retail chain• Incorporation of demand forecasting and inventory optimization solutions across firm for smooth operations• Identification of additional data fields to store from the CRM with the potential use in predictive analytics use cases Show less

London, England, United Kingdom

• End-to-end planned and managed global brand building project worth $250K for an unexplored customer segment• Achieved 65+% higher conversion on predefined KPIs while managing customer engagement across 70+ countries• Crafted a visual dashboard to monitor the project performance based on the predefined KPIs at real-time basis• Coordinated working of 5 multidisciplinary teams with 25+ members across 4 time zones in a multicultural env.• Liaised with 5 prominent Low Code/ No Code… Show more • End-to-end planned and managed global brand building project worth $250K for an unexplored customer segment• Achieved 65+% higher conversion on predefined KPIs while managing customer engagement across 70+ countries• Crafted a visual dashboard to monitor the project performance based on the predefined KPIs at real-time basis• Coordinated working of 5 multidisciplinary teams with 25+ members across 4 time zones in a multicultural env.• Liaised with 5 prominent Low Code/ No Code partners and 3 vendors across functions to ensure project success• Achieved organizational pledge of contributing 100K hours to sustainability by aligning the project with UN SDGs• Incorporated project planning, change management, risk management, vendor selection & procurement processes• Acquired proficiency in Project management tools like Gantt chart, RACI Matrix, Slack, Trello, and MS Projects Show less

London, England, United Kingdom

• Plan and conduct holistic research to determine the market price for the services offered• Price based positioning of the organization in childcare service market across the UK

Gurugram, Haryana, India

• Planned, created, and curated content for the better reach of the organization on different Social Media Platforms• studied, analyzed, and proposed an ideal Customer Relationship Management strategy using different Digital tools.

Dharwad, Karnataka, India

• Carried out exhaustive market research of the Real estate sector, analyzed the operations and supply chain for the same.• Studied and analyzed the business practices of a few best-run small-medium size real estate companies in India.• Analyzed and evaluated a model construction company on different pointers like: o In-house development vs. outsourcing o Supply Chain – backward integration o Methods of reducing input costs • Conceptualized and developed… Show more • Carried out exhaustive market research of the Real estate sector, analyzed the operations and supply chain for the same.• Studied and analyzed the business practices of a few best-run small-medium size real estate companies in India.• Analyzed and evaluated a model construction company on different pointers like: o In-house development vs. outsourcing o Supply Chain – backward integration o Methods of reducing input costs • Conceptualized and developed a prototype model to analyze the progress and productivity of the project using Financial and Material management reports using MS Excel.• Studied and evaluated the procurement cycle, operational efficiency, and development decisions of a real estate project.• Studied the project life cycle in the real estate sector and proposed differences in the process. Show less

Bengaluru, Karnataka, India

• Developed 6 product features, enhanced 5 processes and designed 3 services in the data communication domain • Enhanced product efficiency by 30+% by optimizing operating system data structure and reducing the reboot time • Performed requirement analysis, user story creation, feature development, testing, and project documentation• Leveraged data-driven decision making to optimize the database interaction mechanism and processing algorithm • Identified alternative Open-source… Show more • Developed 6 product features, enhanced 5 processes and designed 3 services in the data communication domain • Enhanced product efficiency by 30+% by optimizing operating system data structure and reducing the reboot time • Performed requirement analysis, user story creation, feature development, testing, and project documentation• Leveraged data-driven decision making to optimize the database interaction mechanism and processing algorithm • Identified alternative Open-source solutions for licensed SaaS products reducing patent cost as part of R&D Team• Trained ~45 peers & maintenance teams on service-oriented architecture & middle layer integration product features• Part of 3-member team selected to represent the Bangalore HQ DC in the Global Infosys Innovation Summit 2019• Built proficiency in C, C++, Java, Python, DB structure, Unix programming, SQL, and other development tools• Expanded proficiency in developing enterprise-level products across all stages of software development life cycle• Awarded multiple certificates of appreciation (Insta award, Best employee) for exemplary performance during tenure Show less

Kolkata, West Bengal, India

• Developed a portfolio offering of 6 SaaS product and service mix with invoicing, billing and reporting features • Successfully delivered 15+ digital transformation projects within first year of incubation across multiple industries • Recruited, trained, and onboarded 20+ employees across functions while developing the Organizational hierarchy• Achieved INR 2.5mn+ revenue target within the 1st year of establishing the organization with 3 founding members• Recorded 40+%… Show more • Developed a portfolio offering of 6 SaaS product and service mix with invoicing, billing and reporting features • Successfully delivered 15+ digital transformation projects within first year of incubation across multiple industries • Recruited, trained, and onboarded 20+ employees across functions while developing the Organizational hierarchy• Achieved INR 2.5mn+ revenue target within the 1st year of establishing the organization with 3 founding members• Recorded 40+% increased revenue by branding the products and packaging product offerings with marketing model Show less

Haldia, West Bengal, India

. The highest student body of the college, responsible for the conduct and management of all activities of 4000+ students of the college.· . Organized the annual Cultural fest ‘Riviera 2017’with a budget of INR 25L and the footfall of 3000+ students.. Organized the annual techno-managerial fest ‘Prayukti2017’ with a budget of 10L having 25+ events and 1000+ participants.· Organized the annual cultural meet 2016, RangMilanti, Auspicious Paradigm and many other events for the… Show more . The highest student body of the college, responsible for the conduct and management of all activities of 4000+ students of the college.· . Organized the annual Cultural fest ‘Riviera 2017’with a budget of INR 25L and the footfall of 3000+ students.. Organized the annual techno-managerial fest ‘Prayukti2017’ with a budget of 10L having 25+ events and 1000+ participants.· Organized the annual cultural meet 2016, RangMilanti, Auspicious Paradigm and many other events for the students. Show less

Haldia, West Bengal, India

• Founded the e-media group that provided all the city and college related information to the students• Organized different student-related events and competitions at the city and university level • Conducted the annual flagship event “Extravaganza” with the participation of 700+ students• The official merchandise provider for the different events at Haldia Institute of Technology • The current official student group and the e-media partner of HIT, Haldia

Haldia, West Bengal, India

. Formed and established the team under the mentorship of Dept. of ECE, HIT Haldia.. Coordinated and conducted different technical workshops for the students of the college.. Organised different technical competitions and seminars for the students of the college.

Master Of Business Administration - Mba, International Business

Master'S In Management, Business Consulting, Creativity Marketing Management

Activities and Societies: • NextGen ESCP - Events & Sponsors partner • Marketing Minds ESCP - PR and Events Team • Student Representative.

Share Leadership Program Of Excellence, Management Consulting

Activities and Societies: • Built a sustainable growth model for the businesses in Food & Beverage sector based on the research.

Bachelor Of Technology - Btech, Electrical, Electronics And Communications Engineering