Kuhoo is a Digital Platform for Student Loans. Seed Funded by WestBridge Capital ($20 m). Leading Product, UX/Design and Data Science/Analytics

Leading Product and Data Science & Analytics for Student Finance start-up Kuhoo.Key achievements: Student Loan App, 1st Gen of Rule Engine and Scorecards, Loan Origination System and web portal, EdTech Partner Portal, MIS, and Analytics

Leading all things marketing, acquisition, and site improvements - Brand, Communications, Digital, Partnerships, UX & Design

Driving better user experience (UX), customer retention, lifetime value, and CRM strategy using data science /analytics, A/B and multivariate testing, and behavior science. Leading all customer insights and analytics, marketing automation, user experience, and design initiatives. Product management of key projects under CX and UX and Chatbot Flow Design and optimization using AWSTools: Adobe Campaign, Litmus, VWO, Userlytics, Hotjar, SFMC, Google Analytics, AWS Connect, TypeformAnalytics: SQL, R, Excel

- Led testing and optimization of communication strategies which included testing new propositions based on pricing, communication channels, messaging, and customer segments- Created the Voice of Customer (VOC) program for the company which helped identify, fix and manage customer issues and pain points- Launched the first demographics and customer attributes-based segmentation using clustering which provided a new lens for optimizing product and marketing strategies- End to end Product management of transition from SFMC to Adobe. Managed process from evaluation of vendors to procurement and project implementation- Delivered product and customer insights that helped drive the adoption of key product features (e.g, mobile app, online account section) and increase customer lifetime value- Led the adoption of customer satisfaction measures like NPS and CES for key process and service interactions

- Product Design and Product Management of digital credit line products for UK customers. Shaped development of all key aspects: underwriting, UX design, operations, and legal and compliance- Managed the data science and analytics function. Led the adoption of next-gen data science and machine learning techniques (random forest, gradient boosting, and deep learning) to get better outcomes in credit and fraud risk

- Led the Credit and Fraud Risk/Analytics functions for UK online lending products- Used machine learning and predictive analytics to manage and upgrade multiple generations of statistical models. - Product and P&L management of the UK lending portfolio - Responsible for working with the Head of UK business to prioritize tasks and drive priorities for the 100+ member project team- Made periodic presentations to the Credit Committee of the Company comprised of board members. - Managed the A/B and multivariate testing program for the company to open new customer segments for lending, optimize loan volume and CPA and improve collections- Designed a comprehensive fraud management process using internal alert services and external cutting edge solutions, built new predictive models for fraud detection - This reduced fraud rates by more than 75%- Explored new data and technology services and tested them to measure value add to the business.

- Led the Marketing and Marketing Analytics functions for the UK online lending product. Worked with external agencies on marketing campaigns and digital marketing strategies.- Designed behavior models to redefine returning customer strategies and eligibility criteria for return loans. This increased return loans by more than 20%.- Designed an automated underwriting and KYC process with the help of the Risk Team to that increased customer conversions by 50%- Managed a 20+ member team - Reviewed their work before it was sent to clients and high management, organized brainstorming sessions with the whole team to discuss issues and provide an open forum to discuss ideas and solutions

- Led the analytics/data science team for projects for US based lead generation websites- Developed statistical models and designed profit maximisation algorithms and strategies - Laid down the framework for real-time performance monitoring- Acted as the main point of contact between the offshore team in India and the management team in the US- Mentored a number of high potential employees in their early careers

- Built credit risk and data cost optimization models for U.S. sub-prime lenders- Used statistical techniques like linear and logistic regression, clustering, factor analysis, CART and principal component analysis. - Analyzed new data sources and their value to business