Nishant Chaudhari
SVP & Head – Data & AI @ SK Finance Ltd
About
I build AI systems that drive real business outcomes — not just models.With 15+ years of experience across Payments, Lending, Insurance and Fintech, I currently lead Analytics, Data Science and AI initiatives focused on growth, personalization and risk intelligence. My work sits at the intersection of business strategy, data science and emerging AI capabilities.Over the years, I’ve built and scaled high-performing analytics teams, established Centers of Excellence, and delivered large-scale transformations across customer acquisition, cross-sell, retention and credit risk.What differentiates my approach is a strong focus on applied AI: • Leveraging GenAI and ML to drive personalization at scale • Building alternate data intelligence (SMS, appography) for deeper customer insights • Designing AI-driven campaign and recommendation engines • Developing risk frameworks (A1–A9 segmentation) and predictive systems • Enabling real-time decisioning and growth optimizationI have hands-on experience with GCP (BigQuery, Vertex AI), Python, and production-grade ML systems, along with strong expertise in translating business problems into scalable AI solutions.I’ve been recognized as GenAI Leader of the Year (2023, 2024, 2025) for driving innovation in financial personalization and AI-led growth.Beyond building systems, I focus on: • Creating high-impact teams • Driving CXO-level strategy • Aligning AI initiatives with measurable business outcomesI am particularly interested in building AI-first organizations and shaping the future of financial intelligence through data, automation, and intelligent systems.
India
Mumbai
Financial Services
Data Intelligence, Credit Risk Management, Python (Programming Language), Generative AI, Amazon Web Services (AWS), Automation, UPI, Wallets, Customer Experience, Data-driven Decision Making, Fraud Detection, Business Analytics, Data Science, Microsoft Excel, Data Analysis, Artificial Intelligence, Business Analysis, Business Intelligence, Machine Learning, Market Research
Experience

Head Business Analytics
Mumbai
• Led growth initiatives for Aditya Birla Capital Digital, focusing on cross-selling and expanding insurance lending and investment opportunities. • Implemented strategic plans to drive revenue and enhance customer experience. • Developed data-driven insights to optimize business performance and drive growth. • Collaborated with cross-functional teams to drive innovation and achieve business objectives.

Head - Payments Analytics
Mumbai
As the Head of Payments Analytics at Aditya Birla Capital Digital, I am responsible for driving data-driven strategies that enhance our payments solutions and optimize customer experiences. My role involves: • Leading Analytics Initiatives: Overseeing analytics and insights for digital payments to support strategic decision-making and fuel business growth. • Innovating with Data Science: Leveraging advanced data science techniques to create actionable insights and improve our digital offerings. • Collaborating Across Teams: Working closely with product, technology, and operations teams to deliver data-backed solutions that enhance customer engagement and streamline processes. • Driving Digital Transformation: Contributing to Aditya Birla’s mission of revolutionizing fintech by embracing innovative approaches and cutting-edge technologies.

General Managar - Machine Learning and Data Science
Mumbai, Maharashtra, India
As the General Manager of Machine Learning and Data Science at Paytm Payments Bank, I lead a team of data scientists and engineers who develop and deploy innovative AI and ML solutions for the digital banking platform. I’m responsible for building various ML models for Wallet, CASA and UPI growth within the bank. With over ten years of experience in data science, machine learning, and artificial intelligence, I have a proven track record of delivering data-driven insights and value for various projects across multiple industries, such as fintech, education, and e-commerce. My core competencies include management consulting, data analytics, data mining, deep learning, visualization, strategy, and product development. I have a strong background in mathematics and applied statistics, as well as certifications in R, Python, and Stata. I am passionate about leveraging AI and ML to solve complex business problems, enhance customer experience, and drive growth and innovation. I am always eager to learn new skills, explore new domains, and collaborate with diverse teams.

Senior Manager - Data Science
Mumbai, Maharashtra, India
InstaReM was founded in 2015 with a mission to improve the cross-border payments experience for consumers in the APAC region. While continuing to be an expert in consumer remittances, we’ve expanded and scaled our offerings to meet the needs of SMEs, Financial Institutions, Enterprises and other payment service providers. Our network is powered by our portfolio of licenses, hard-earned by building trust with financial regulators in over 38 countries. Our platform offers a wide range of payments services grouped into three categories: Send, Spend and Receive.As a company, we are continuously innovating and pushing boundaries. We aspire to become enablers, creators of an open platform that businesses and partners can use to build a world free of the old constraints and restrictions – a world of Open Money. That platform is Nium.

Manager - Business Intelligence and Analytics
Mumbai, Maharashtra, India
Worked with UK telecom business. Analysed and developed various machine learning algorithms to predict churn, gauge customer sentiments, build profile suitability matrix to control employee attrition, process automation and various other visualizations to bring actionable insights to top management.

Assistant Vice President
Pune, Maharashtra, India
▪ Managed client engagement and involved throughout the complete lifecycle from business problem understanding through data analysis, visualisation design & development, client implementation and training. ▪ Worked on critical business problems by translating them into an analytics problem solving framework. Presented results to senior management through insightful recommendations. Worked with the AE, Portfolio Managers, PMs and PMOs to mitigate the non-delivery risks. ▪ Worked on Regulatory Reporting and Finance Change Management counterparts to ensure the delivery of the mandated reporting required by the U.S. regulators. ▪ Managed business continuity and crisis management Plans for SR14 India team. ▪ Implemented data governance for regulatory reporting. Delivered data quality rules, data lineage and metadata management. Exposed to Collibra and Informatica on DG. ▪ Managed a team of talented associates to provide quality client deliverable. Worked closely with onshore team managers to ensure smooth delivery. ▪ Focused on importing, cleaning, transforming, validating and modelling data with the purpose of making conclusions from the data for decision making purposes. Worked on report automation using Python scripting and SharePoint workflows. ▪ Utilised knowledge of SDLC, STLC, Waterfall and Agile project management models.

Business Analyst
Pune, Maharashtra, India
▪ Worked on Regulatory Reporting and Finance Change Management counterparts to ensure the delivery of the mandated reporting required by the U.S. regulators. ▪ Managed business continuity and crisis management Plans for SR14 India team. ▪ Implemented data governance for regulatory reporting. Delivered data quality rules, data lineage and metadata management. Exposed to Collibra and Informatica on DG. ▪ Worked closely with onshore team managers to ensure smooth delivery. ▪ Focused on importing, cleaning, transforming, validating and modelling data with the purpose of making conclusions from the data for decision making purposes. Worked on report automation using Python scripting and SharePoint workflows.

Associate Data Consultant
Hyderabad Area, India
1. Worked on engagements building analyses and visualisations that help the client make right decisions faster. 2. Managed the client engagement throughout the complete lifecycle from business problem understanding, through data analysis, visualisation design and development, client implementation and training. 3. Handled a team of analysts, designers and developers who would report to me, and acted as the single point of contact for the client to ensure that they leverage our product to derive considerable business value. 4. Participated in the sales and pre- sales activities, demonstrating the product in the client's context. 5. Posses good command over statistics and data analysis, a thorough hands-on approach to business analysis and problem solving, and has a solid grounding in Project Delivery and people management with an ability to drive and achieve desired outcomes.

Business Analyst
Pune Area, India
As a Business analyst my role was typically focused in: 1. Assisting with the business case. 2. Planning and monitoring. 3. Eliciting requirements. 4. Requirements organization. 5. Translating and simplifying requirements. 6. Requirements management and communication. 7. Requirements analysis.
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