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Ravi Patel

@ravipatel5

Analytics professional at Kotak Mahindra Bank who unlocked ~₹72 Cr by eliminating systemic CASA fee leakage.

At Kotak Mahindra Bank, I engineered a 360° customer profitability framework using account-level P&L analytics and established a revenue assurance framework that unlocked ~₹72 Cr by eliminating systemic CASA fee leakage.

At YES Bank, I developed cross-sell strategies that powered ~₹5+ Cr in monthly credit limits and expanded the Personal Loan offer base by ~35%. I also built a personal-loan early-bucket collections model and co-built the decisioning journey for a live Fintech Personal Loan partnership.

Earlier, I worked as a Consultant at L.E.K. Consulting on activation and growth strategy, and as a Data Analyst at Smart Coin Financials, where I reduced user drop-off by 24% through funnel optimization. My experience also includes CRM reporting automation at Capgemini; I use Python, PySpark, and SQL for analytics.

Experience

Work history, roles, and key accomplishments

Current

Assistant Vice President

Current

Kotak Mahindra Bank

Dec 2024 - Present (1 year 11 months)

Engineered a 360° customer profitability framework using account-level P&L analytics to drive portfolio decisions. Established a revenue assurance framework, unlocking ~₹72 Cr by eliminating systemic CASA fee leakage.

Python PySpark SQL Financial Analytics P&L management Collections Analytics XGBoost Risk Analytics

Assistant Vice President – Risk Analytics

YES Bank

Apr 2024 - Dec 2024 (8 months)

Spearheaded the pre-approved offer engine for the SME Digital Overdraft, powering ~₹5+ Cr in monthly credit limits. Re-engineered Credit Card eligibility logic and expanded the Personal Loan offer base by ~35%.

Python PySpark SQL Risk Analytics Cross sell Strategy Portfolio Analytics XGBoost Graph Analytics

Senior Manager – Advanced Analytics

YES Bank

Aug 2022 - Mar 2024 (1 year 7 months)

Automated PA offer generation for UPI customers across PL, Credit Card & Auto Loan using advanced income models. Built a PL early-bucket collections model with stable AUC ~0.75 on test and OOT.

Python PySpark SQL advanced analytics Risk Modeling Collections Analytics Cross sell Strategy Fintech Partnerships

Consultant

L.E.K. Consulting

May 2021 - Mar 2022 (10 months)

Led activation and growth strategy for a medical coaching chain's expansion through a foreign university partnership. Defined product selection and go-to-market strategy for a UK client targeting $50mn+ growth.

Strategy Market Sizing TAM Analysis Competitive Benchmarking Focus Groups Go To Market Strategy

Data Analyst

Smart Coin Financials

Dec 2017 - Jan 2019 (1 year 1 month)

Reduced user drop-off by 24% through user funnel optimization and manual process simplification. Improved customer conversion by ~15%+ through customer segmentation and price-elasticity analysis.

Python SQL Machine Learning Feature Engineering A B Testing Customer Segmentation Funnel Analysis

Consultant

Capgemini

Jun 2015 - Aug 2017 (2 years 2 months)

Reduced report turnaround time by 16% through CRM reporting automation, delivering 200+ complex reports. Promoted to Consultant P2 in 1.5 years, ranking 1/3 out of 25+ IIT-graduate hires.

CRM Reporting Automation SQL Excel