Kunal Sehgal Email and Phone Number

* Developed a Chance Of Approval(COA) model that helps loan applicants choose their most-suited lender basis their personal and credit bureau details which led to an increase in soft approval by ~20% over BAU * Streamlined and automated end-to-end funnel for extracting eligible campaign base for partner banks. * Provided key insights to optimize score-card policy and developed logic to prioritize customer segments that are more probable to convert. * Developed dashboards for the Unsecured Loan segment (which involved Personal Loans and Business Loans) to give a holistic views of the performance of the products across the various income segments to the respective Business Heads and the CEO.

• Developed a model to calculate Expected Credit Loss (ECL) for the portfolio by using probability of default of loans, Loss Given Default, Exposure at Default as per new IND AS – 109 financial guidelines by regulators• Responsible for the analytical research of monthly business performance of the company, giving strategic insights to the MD-CEO and their implementation at branch level – 83 branches across India• Project lead for implementation of Power BI in the organization for automation of all the reports being prepared manually• Implementation of Application Scorecard to better rate a customer based on its characteristics and make decisions accordingly.• Implemented Risk Based Pricing by using Application Scorecard and Risk Classification for the entire portfolio to provide a measure of risk• Predicting the Bounce Probability of Accounts using Logistic Regression which helped reducing the bounce percentage for the organization• Face of Risk for the organization in front of the investors, dealing with lenders and providing all the risk related information

• Worked as a part of the Business Development team and carried out the research work• Worked as a as a part to Analytics team and worked on social media analysis and leads analysis• Implemented various dashboards based on the problem faced by the company

• Worked as a part of the Research and Development team• Worked on the field of Artificial Intelligence on developing the algorithm• Developed ‘Particle Swarm Optimization’ algorithm for various functions