Skill set
Deependra in a few words
Experienced analytics and digital professional with 13+ years in both Islamic and conventional banking. Skilled in AI powered strategies, digital transformation and data driven decision making to drive business growth and customer engagement.
Currently Senior Manager – Cards Portfolio & Analytics at Emirates Islamic Bank, leading strategies to boost card spends, balance growth (ENR) and customer retention. Passionate about using Machine Learning, Predictive Modeling and NLP to drive results.
Proficient in SQL, Power BI, SAS and Python for enhance decision making and streamline operations. Dedicated to optimizing products, improving customer experiences and driving sustainable growth.
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Experience
- FAB (First Abu Dhabi Bank)Consultant, Digital BankingOctober 2019 - January 2022 (2 years and 3 months)Abu Dhabi - United Arab Emirates• Implemented digital smart (using python ML model to predict) campaign by push notification, which help with cost save from legacy campaign model and developed various self service portals in Power BI.• Grew the digital revenue by 1.5 million, by using Python ML model using python for hyper personalization of various products like credit card, PL top up in combination with the various product and department heads.• Increased Mobile app engagement by 15% YOY by providing actionable insight in bringing in more features onto the mobile banking app backed by data driven strategy.• Increased digital transaction by 10%, by promoting data driven approach to migrate services from non digital to digital platform using AI solutions.• Working with web APIs and creating APIs for data serving and consumption from digital platform.• Design tactical cross-sell CRM campaigns, campaigns ideation, response tracking, customer segmentation for different channels like ATM, CDM, Mobile Banking and Internet Banking
- Emirates Islamic Bank – ENBD GroupSenior Manager – CardsApril 2022 - Today (3 years and 1 month)Dubai - United Arab Emirates• Managed a 500M Cards P&L, driving revenue and exponential growth through data driven strategies.• Increased market share by 12.6%, leveraging targeted portfolio management and customer engagement initiatives.• Achieved 25% spend growth by implementing AI driven analytics, personalized campaigns and product optimizations.• Drove 29% ENR growth, enhancing balance build strategies, credit line management and customer retention programs.• Optimized card portfolio performance through pricing strategies, risk assessment, and cross functional collaboration.• Designed a customer net revenue model for card customer retention and Implemented standardized analytical frameworks to support acquisition, cross-sell, up-sell, retention and win back strategies for card products.• Established the VISA COE to oversee AI/ML models for card products, using data insights to optimize performance and profitability.• Delivered timely management information (MI), reports, and dashboards aligned with channel and segment requirements, providing data-driven insights to drive business performance improvements across multiple functions.• Ensured the accuracy, reliability, and consistency of data extraction processes, while managing incentive plans, reviewing compensation transactions, and adhering to compliance standards including PCI DSS, UAE data protection, and GDPR.• Collaborated with stakeholders to understand business requirements and mapped them to relevant data sources and data warehouses using SAS, SQL and Python to deliver actionable insights.• Presented key findings, insights, and strategic recommendations to management, effectively translating complex technical concepts into clear, actionable insights.
- PwC (PricewaterhouseCoopers)Senior Associate 2 (Assistant Manager)July 2017 - September 2019 (2 years and 2 months)• Grew revenue from more than 120 outlets by 8% YoY by using ML model to predict demand forecasting for our client in Restaurants industries.• Reduced processing time from 60 hours to 10 minutes by automating the existing manual activity by using Python for Insurance clients.• Lead Technology transformation from legacy Analytics system to advanced analytics using Python, Tableau and• SQL, which has increased the process efficiency up to 60%.• Working in PWC US DA Team to perform external client's audit activities using data analytics methods. Provide consulting service to clients.• Build the mechanism for data extraction, data cleaning, data wrangling as necessary to work with machine learning models using SAS, SQL, Alteryx, Excel and Python packages.• Perform analytics by writing several SAS, SQL routines in order to identify high-risk journal entries and other risk factors in business records.• Created solutions for process automation and web scraping using python for streamlining the project executions.• Managed project resources as Deputy Lead, review the work of analyst and solve their technical challenges
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Education
- Master of TechnologyBITS Pilani2024Master of Technology (Software Engineering)
- Bachelor of Computer ApplicationsIIMT2024Bachelor of Computer Applications