ANKUL SHARMA

Owned product discovery for AI-powered enterprise banking products and defined the GenAI roadmap for intelligent workflow automation, predictive decision support, and conversational AI. Designed AI-assisted PTP Default Prediction and built requirements for Smart Notes, Sentiment Analysis, and an AI-powered Collector Copilot.

Improved recovery by 5% by leading product strategy for an AI-powered delinquency prediction and Promise-to-Pay (PTP) recommendation engine. Built KPI tracking frameworks across the onboarding-to-disbursal funnel and partnered with Risk & Compliance to design regulation-compliant product flows.

Improved recovery 5% and cut broken commitments 7% by leading development of an AI-driven delinquency and repayment prediction system (PTP). Reduced delinquency by 9.5% through behavioral analytics and cut manual effort by 60%+ by automating operational workflows.

Cut turnaround time 35% by redesigning customer lifecycle processes and reduced manual intervention 30% by automating internal operational workflows. Managed Agile delivery using Jira, coordinating sprint planning, backlog grooming, and cross-team collaboration.

AI Prompting for Everyone certification from DeepLearning.AI, issued in August 2026.

Agile Product Owner Role: Techniques certification from IIBA, issued in August 2026.

Generative AI for Everyone certification from DeepLearning.AI, issued in September 2026.

Grade: 63.89%

MBA from Indian Institute of Management, Sambalpur, completed in 2021.

Grade: 72.46%

B.Tech from AKG Engineering College, Ghaziabad, Dr. APJ AKTU, Lucknow, completed in 2019.

Grade: 82.20%

HSC from Khalsa Public School, Saharanpur (CBSE), completed in 2014.

Grade: 95.00%

SSC from Kendriya Vidyalaya, Air Force Station Sarsawa (CBSE), completed in 2012.

Data Analysis using Python certification from IBM Cognitive Class.

Advanced Microsoft Excel certification from elearnmarkets.com.

Market Research & Consumer Behavior certification from Coursera.