ANKIT PANDEY

B-8, Tulsibhavan, Sion, Mumbai, Maharashtra 400022 | Cell: (+91) 7600448745 | ankitpandeycs@gmail.com

Professional Summary
An achiever with around 3+ years of work experience. Presently working as Senior Analyst involved in
various analytical projects catering to different verticals of the organisation. Overall a dynamic person who
is looking forward for the opportunities in the domain of Finance.

Skills

SAS Machine Learning

R Time Series Modelling
Python Risk management processes and analysis
SQL

Personal Information
 Sex & Marital Status: Male & Single Age & DOB: 26 years, 09th June 1991. Nationality: Indian
Relocation: Willingness to relocate both Domestic and International

Work Experience
Manager, 05/2016 to Current
HDFC Bank Ltd – Mumbai, Maharashtra
 Project 1: Credit Limit Optimization for Credit Cards using Markov Decision Process
(Reinforcement Machine Learning) to arrive at the optimal policy so as to manage the credit limit
to maximize the overall profit.
 Project 2: Built Multi-Bureau strategy based on Bureau Analytics and key Credit Bureau
engagements for driving the end to end project for different retail products.
 Worked directly with Policy and product team to analyse the impact of Multi-Bureau and replace
the existing bureau scores with the same.
 Project 3: Credit Card Overlimit using Cards Analytics to suggest the appropriate measures basis
the ongoing trend of over limit on cards and transactions declined to avoid the transactions decline
along with the overall risk mitigation.
 Project 4: Increased the portfolio size of PLCC (Personal Loan to Credit Card customers) by 28%
basis analysis of the current behaviour of customer on credit card, observe debit score, demographic
details, bureau details, internal debit score (if available) and other factors to increase the PL to CC
customer base and roll out Personal loan to eligible base.
 Project 5: Portfolio analytics for the retail product: SLI (Sustainable Livelihood initiatives) to decide
the important parameters which can be derived from the portfolio and help in analysis of ongoing
trend at portfolio level starting from the disbursal to collections.
 Project 6: Image Analytics to develop a capability to read the scanned images/ Original PDF
statements and obtain the score out of it. It would help bank to cut the cost involved in data entry,
reduce error rate by eliminating human intervention along with the insights to underwriters in the
form of scores.
  Project 7: Worked on integrated credit scoring of a customer using chaid (classification) so as to
simplify the individual credit scores cut offs and use the holistic approach for all credit card post
issuance activities. This helped in increasing the overall customer base with the reduction in overall
risk.
 Project 8: Used segmentation to find out the potential good revolvers in credit card and rolled out a
campaign for such customers so as to increase the overall profit within the predefined risk.

Management Intern, 04/2015 to 05/2015

Aircel Ltd – Chennai, Tamilnadu
 Provided strategic recommendations to mitigate the potential risks, improve the existing 4G
operations and increase profitability of the company basis the analysis done.
 Understood and presented the viability, different equipment required for roll out and options
available for 4G service from technical and financial perspective.
 Used secondary research, interviews with the executives and customers to determine the trend
expected in 4G which includes data usage, compatible devices and subscriber growth rate to project
the financial statements for 4G in Aircel chennai circle.

Assistant System Engineer, 10/2012 to 05/2014

Tata Consultancy Services – Vadodara, Gujarat
 Handled Identity and Access Management (IAM) module for the RAPDRP (Restructured
Accelerated Power Development & Reforms Programme) project of the Gujarat Electricity Board
for duration of 17 months.
 Worked on Oracle tools like Oracle Identity Manager, Oracle Access Manager and Oracle Internet
Directory that were critical to client sign-on.
 Testing: Worked on J-Meter application testing tool to load test functional behaviour and measure
performance.
 Support: Provided active support to M.P. RAPDRP (Madhya Pradesh RAPDRP) for resolving a
critical issue pertaining to Identity and Access Management.
 Training: Represented a batch of 40 professionals and acted as a liaison between the management
and the batch for 3 months in TCS - Initial Learning Program.

Chief Executive Officer, 03/2015 to 03/2016

Samnidhy- Student Managed Investment Fund (SMIF), TAPMI- Manipal, Karnataka
 The firm was registered with the Government of Karnataka as a legal entity. First SMIF in India
working as a real organization with a well laid out structure and governance system.
 Managed the team of 34 people, for conducting research and suggesting the investment
opportunities.
 Successfully raised the fund from 110 potential investors in the first cycle itself.
 Oversaw the best practices and compliance standards in interest of the investors.
 Built and implemented long term strategy for the organization.
Education
Degree Institute Description
PGDM/MBA, 2014-2016 T. A. Pai Management Finance (Major) and IT
Institute, Manipal, KA, India (Minor)

Executive Program in Business Indian Institute of Management Operational Research, Time

Analytics (EPBA), 2017-2018 (IIM) Calcutta- Calcutta Series Modelling In Business,
Statistics, Spreadsheet
Modelling
Bachelor of Engineering Shri Vaishnav Institute of Computer Science and
(B.E.), 2008-2012 Technologies and Science, Engineering
Indore, MP

Honors and Awards

 Awarded with Gold Certificate of Achievement for being amongst the top 5% scorers in Bloomberg
Aptitude Test (BAT)
 Winner of Concall – Finomenal 2015 organised by TAPMI. A virtual conference call seminar where
senior management participates to clarify the performance of the company
 Winner of Transportation Challenge, TAPMI flagship event organised by Operations Forum in 2015
(1st out of 30 teams)
 Was nominated for Titan of the Year-2016, TAPMI awarded to the best outgoing student for
excellence in academics, co-curricular and extra-curricular activities and exemplary contributions
to peer learning & institution building
 Was nominated for Jaspreet Sebastian Award-2015, TAPMI for being in the top 10% of batch.
Awarded for overall personality and academic performance.

Certifications
 Equity Derivative Beginner Module by National Stock Exchange- May 2015
 Ethical Hacking by Appin Technology Lab- Mar 2012
 Software Development using JAVA by Zensoft Services- July 2010
 Bloomberg Essentials Training Program- Equity, Commodity, Fixed Income, Foreign Exchange by
Bloomberg
 3 days Industrial Training and workshop on Unified Modelling Language (UML), Object
 Oriented Analysis with Use Cases and Rational Unified Process (RUP) – organized by Computer
Society of India(CSI) 2012
 7 days comprehensive training program on ‘Software Testing and Automation'- organized by
Computer Society of India (CSI) 2012