Mohammed Jawed Khan is an Indian national who currently works as a Data Scientist in Saudi Arabia. He has over 15 years of experience in business analytics, data science, and machine learning. He holds a Master's degree in Business Analytics and has received several certifications in predictive modeling, Six Sigma, and SAS programming. Khan has worked on a variety of analytics projects for companies in sectors like automotive financing, insurance, and energy. His responsibilities have included developing predictive models, forecasts, marketing campaigns, and tools to optimize business processes.
Riddhi Poddar has over 6 years of experience in analytics for the financial services industry using SAS. She has experience in risk and collections analytics, marketing analytics, and dashboard design. Her roles have included developing scorecards, models, and reports for banks and credit bureaus in areas such as delinquency, applications, customer segmentation, and collections. She is currently leading a team at TCS E-Serve in Mumbai developing risk parameters, forecasts, and benchmark models for loan losses.
Loan approval prediction based on machine learning approachEslam Nader
油
This document discusses using machine learning models to predict loan approvals. It introduces the motivation, problem statement, and objectives of building a loan prediction system. The document describes the dataset used, which contains information about previous loan applicants. It then explains three machine learning models tested for the predictions: decision tree classifier, logistic regression, and naive Bayesian classifier. The document concludes by reporting the accuracy scores from experimenting with each model, with decision tree performing best.
This document is a resume for Guillaume Sautiere, a Junior Data Scientist in Biomedical Engineering. It outlines his skills, education, coursework and experiences. He is fluent in French, English and has an intermediate level of Spanish. His programming skills include Matlab, Python, LATEX and ANSYS APDL. He has a Master's degree in Biomechanical Engineering and is currently taking an online course in Machine Learning from Stanford University. His past experiences include research assisting on finite element modeling of the knee joint and technical engineering internships in medical device manufacturing and humanitarian aid projects.
Chris Gawad is seeking a customer service sales position with a medical device company. He has a Bachelor's degree in Biochemistry and Cell Biology from UC San Diego. He has 14 years of experience in customer service and sales in the hospitality industry. He also has laboratory skills and experience as a biochemist. He aims to provide excellent customer service and establish himself as a valuable team member.
Rick Iaccarino Resume Data Scientist IT Consultant v2-1Rick Iaccarino
油
Riccardo Iaccarino is a junior data scientist and IT consultant with expertise in Microsoft's Cortana Analytics Suite and combining CRM and BI. He has successfully completed several business intelligence projects using traditional reporting and predictive analytics. He is pursuing Microsoft's Data Scientist certification and has passed eight out of ten exams. He has over 20 years of experience in IT consulting, database administration, and business analysis.
The candidate is applying for a position in data analysis and is seeking to transition from a senior data analyst role to expanding their skills in data science. They have over 25 years of experience in data management, programming, and analysis. Notable skills include expertise in SAS programming, data warehousing, big data technologies, and statistical analysis. The candidate has supplemented work experience with various data science certifications and training programs.
Xuhui Liu is an experienced physician-scientist specializing in biomedical research. He has over 20 years of experience conducting clinical and preclinical research focused on musculoskeletal and neurological diseases. Currently, he is an Associate Professor at UCSF leading multiple research programs investigating bone regeneration, rotator cuff injuries, and neuro-musculoskeletal trauma. He has published extensively in peer-reviewed journals and serves as a reviewer for several orthopedic research publications.
- Celeste Fralick is a Principal Engineer and Chief Data Scientist at Intel with over 25 years of experience. She leads an Analytics Center of Excellence and has developed complex algorithms and predictive models that have generated over $2B in revenue.
- Her experience spans several roles in engineering, quality assurance, operations, and data science at Intel, Medtronic, National Semiconductor, Texas Instruments, and Fairchild Semiconductor.
- She holds a PhD in Bioengineering from Arizona State University and has authored patents and publications in analytics, medical devices, reliability, and quality systems.
Analytics is the application of computer technology ,statistics and domain knowledge to solve problems in business and industry ,to aid efficient and effective design making.
This document provides an overview of a business analytics course from EduPristine. It defines business analytics as the application of computer technology, statistics, and domain knowledge to solve business problems. It discusses the different types of analytics including descriptive, inquisitive, predictive, and prescriptive. The course aims to equip professionals with tools and techniques to answer important business questions by exploring data patterns. Topics covered include linear regression, logistic regression, decision trees, clustering, and time series modeling. Case studies are used to apply analytic techniques to domains like insurance, banking, retail, and automotive.
This document provides an overview of a business analytics course from EduPristine. It defines business analytics as the application of computer technology, statistics, and domain knowledge to solve business problems and make more informed decisions. The document outlines topics that will be covered in the course, including descriptive, predictive, and prescriptive analytics. It also lists common business domains and tools that analytics can be applied to, such as marketing, finance, and retail. The goal of the training is to equip professionals with the skills to explore data, identify patterns, predict relationships, and solve real-world business problems.
The document provides a summary of Chandrasekhara S. Ganti's qualifications and experience as a business analyst, statistician, and predictive modeler. It lists his technical skills and experience applying statistical algorithms and modeling to problems in various industries, including insurance claims analysis, fraud detection, and automobile theft prevention. Specific examples are provided of projects involving subrogation recoveries analysis, insurance loss trend analysis, and business process reengineering.
Gmid Associates provides analytics services including predictive modeling, descriptive analytics, data mining, and dashboard solutions. They have experience across industries including banking, insurance, and retail. Case studies highlighted include developing churn prediction models for a telecom company, sales forecasting for an apparel retailer, and implementing collection scorecards for a bank. Gmid aims to help clients make better data-driven decisions through analytics.
This document discusses customer value creation topics covered in an EPGP class. It summarizes key topics like approaches to customers, customer value elements, buyer behavior, segmentation, and pricing. It also provides an overview of Blue Star Infotech, describing its origin and growth, business models including delivery models of offshore development and extended offices, and business models of fixed price, time and material, and co-sourcing. Partnership models are also mentioned for acquiring overseas business.
This document contains confidential information belonging to AAUM. Any disclosure of this confidential information would damage AAUM. AAUM retains ownership of all confidential information contained in this document, regardless of the media. This document contains claim analytics data that AAUM considers confidential.
Quant Foundry Labs - Low Probability DefaultsDavidkerrkelly
油
The Quant Foundry Labs division was approached to improve models for predicting low probability sovereign defaults. They developed a machine learning model that uses a large dataset of economic, financial, and governance indicators to predict sovereign credit ratings. The model was trained and tested on historical data, demonstrating improved accuracy over traditional statistical techniques. Explanatory tools also provide transparency into the model's predictions. The results represent an improvement in predicting low probability default events, which can help with regulatory requirements and risk management.
Bank Customer Segmentation & Insurance Claim PredictionIRJET Journal
油
This document summarizes a research project that aims to help a bank segment their customers and help an insurance company predict insurance claims. The project uses data mining techniques like clustering and predictive modeling with machine learning algorithms. For the bank customer segmentation problem, the document describes applying hierarchical and k-means clustering on customer credit card usage data to identify customer segments. For the insurance claim prediction problem, the document outlines applying classification models like CART, random forest and artificial neural networks on historical claims data to predict future claims and compares their performance. The results from both problems can provide business insights like tailored promotional strategies for different customer segments and recommendations to reduce claim frequency and improve sales for the insurance company.
This document describes how an international bank used the DATACTIF knowledge generation platform to increase sales of investment products. DATACTIF was used to cluster credit card owners into groups based on their transaction patterns. These clusters provided insights into customers' financial profiles and spending behaviors. DATACTIF then predicted which clusters would be most interested in various banking products like loans and mortgages. This allowed the bank to target specific customer segments for marketing campaigns. DATACTIF's predictive models achieved 41% accuracy for investment products and 78% for personal loans. The combined clustering and prediction results helped the bank develop long-term strategies to boost product sales.
This document presents research on analyzing auto insurance premium pricing and risk factors using various business intelligence tools. The research aims to examine how factors like car age, duration of previous policies, average customer age, and others affect quoted premium prices and influence risk categories. The research first develops a proposal justifying the use of tools like SPSS, R, Tableau and IBM Cognos to analyze insurance data. It then outlines data cleaning steps to import an insurance database into SPSS. Regression analyses are conducted in R and SPSS to determine relationships between variables. Descriptive analyses in Tableau and IBM Cognos validate regression results by visualizing variable relationships. The research finds factors like lower car age and duration of previous policies correlate with higher
IMPLEMENTATION OF A DECISION SUPPORT SYSTEM AND BUSINESS INTELLIGENCE ALGORIT...ijaia
油
Data processing is crucial in the insurance industry, due to the important information that is contained in
the data. Business Intelligence (BI) allows to better manage the various activities as for companies
working in the insurance sector. Business Intelligence based on the Decision Support System (DSS), makes
it possible to improve the efficiency of decisions and processes, by improving them to the individual
characteristics of the agents. In this direction, Key Performance Indicators (KPIs) are valid tools that help
insurance companies to understand the current market and to anticipate future trends. The purpose of the
present paper is to discuss a case study, which was developed within the research project "DSS / BI
HUMAN RESOURCES", related to the implementation of an intelligent platform for the automated
management of agents' activities. The platform includes BI, DSS, and KPIs. Specifically, the platform
integrates Data Mining (DM) algorithms for agent scoring, K-means algorithms for customer clustering,
and a Long Short-Term Memory (LSTM) artificial neural network for the prediction of agents KPIs. The
LSTM model is validated by the Artificial Records (AR) approach, which allows to feed the training dataset
in data-poor situations as in many practical cases using Artificial Intelligence (AI) algorithms. Using the
LSTM-AR method, an analysis of the performance of the artificial neural network is carried out by
changing the number of records in the dataset. More precisely, as the number of records increases, the
accuracy increases up to a value equal to 0.9987.
Partha Sarathi Pattnaik has over 13 years of experience in roles such as software developer, team management, data analyst, tester, BI reporting analyst, and business analyst. He has strong skills in data mining, machine learning, statistical analysis, data visualization, and databases. Some of his projects include building predictive models for credit risk assessment and client categorization, designing a common data model for risk analysis, and creating best execution reports for regulatory compliance.
Daniel Kocis provides quantitative advisory services and statistical modeling for consumer financial industries using large datasets and advanced analytics. He has developed risk models, reports, and strategies for several large financial clients to optimize processes like new customer acquisition, cross-selling, and default analysis. Kocis also builds statistical models to analyze consumer credit behaviors and predict future risks using credit bureau and payment data.
The document describes several case studies completed as part of a business analytics course. The case studies covered topics like social media metrics for a gym, car performance analysis, employee salary prediction, fraud detection, stock price prediction, product recommendations, online marketing campaigns, and demand forecasting for a bicycle rental company. Machine learning techniques like regression, neural networks, support vector machines, and ensemble models were applied to solve problems in various domains like healthcare, retail, and transportation.
Webinar - Know Your Customer - Arya (20160526)Turi, Inc.
油
Rajat Arya discusses using machine learning for lead scoring to improve sales conversions and marketing campaigns. Lead scoring uses customer data and machine learning models to predict the likelihood of leads converting and prioritize sales and marketing efforts. Implementing lead scoring can increase conversion rates, shorten sales cycles, and boost revenue. Machine learning approaches for lead scoring learn patterns from historical customer data to understand what attributes and behaviors indicate a lead's propensity to become a customer.
Ankit Vasudeva has over 5 years of experience as a software developer working on trading compliance and anti-money laundering projects. He has worked with various banks like JP Morgan, Citi Bank, and Deutsche Bank on developing models, workflows, and applications using Nice Actimize. Some of his responsibilities included requirement gathering, custom development, configuration, testing, and acting as the point of contact for offshore teams. He is proficient in Java, SQL, Spring, Hibernate, and Agile methodologies.
Preetam Kumar Sahu is seeking a position as a Business Analyst with over 4 years of experience in business analysis and working with various stakeholders to understand and document requirements. He has experience preparing documentation like BRDs and writing specifications. Some of his project experience includes working on applications for Credit Suisse and UBS in roles like business analyst, L2 support, and deployment. He is proficient with tools like BMC ITSM, SQL, and methodologies like Waterfall and Agile.
Mohammed Jawed Khan is an experienced business intelligence and analytics expert with over 16 years of experience. He has strong skills in areas such as data analytics, business intelligence, strategy planning, and data modeling. Khan has worked on predictive analytics projects for various clients in industries such as finance, retail, energy, and capital management. His experience includes roles at IBM, Morgan Stanley, and currently as a data analyst at Abdul Latif Jameel Finance in Saudi Arabia. Khan holds a Master's degree in Business Analytics from Indiana University and certificates in business analytics and SAS Enterprise Miner.
1) 19% of existing customers become repeat customers, purchasing a second or third car from the same dealership.
2) The document analyzes purchase history data to determine which subsequent car models repeat customers are most likely to purchase after their initial car.
3) Several predictive models are proposed, including decision trees, to more accurately predict a repeat customer's next vehicle based on additional customer profile data like age, income, gender, and occupation. Better predicting customer preferences could help improve marketing strategies.
Analytics is the application of computer technology ,statistics and domain knowledge to solve problems in business and industry ,to aid efficient and effective design making.
This document provides an overview of a business analytics course from EduPristine. It defines business analytics as the application of computer technology, statistics, and domain knowledge to solve business problems. It discusses the different types of analytics including descriptive, inquisitive, predictive, and prescriptive. The course aims to equip professionals with tools and techniques to answer important business questions by exploring data patterns. Topics covered include linear regression, logistic regression, decision trees, clustering, and time series modeling. Case studies are used to apply analytic techniques to domains like insurance, banking, retail, and automotive.
This document provides an overview of a business analytics course from EduPristine. It defines business analytics as the application of computer technology, statistics, and domain knowledge to solve business problems and make more informed decisions. The document outlines topics that will be covered in the course, including descriptive, predictive, and prescriptive analytics. It also lists common business domains and tools that analytics can be applied to, such as marketing, finance, and retail. The goal of the training is to equip professionals with the skills to explore data, identify patterns, predict relationships, and solve real-world business problems.
The document provides a summary of Chandrasekhara S. Ganti's qualifications and experience as a business analyst, statistician, and predictive modeler. It lists his technical skills and experience applying statistical algorithms and modeling to problems in various industries, including insurance claims analysis, fraud detection, and automobile theft prevention. Specific examples are provided of projects involving subrogation recoveries analysis, insurance loss trend analysis, and business process reengineering.
Gmid Associates provides analytics services including predictive modeling, descriptive analytics, data mining, and dashboard solutions. They have experience across industries including banking, insurance, and retail. Case studies highlighted include developing churn prediction models for a telecom company, sales forecasting for an apparel retailer, and implementing collection scorecards for a bank. Gmid aims to help clients make better data-driven decisions through analytics.
This document discusses customer value creation topics covered in an EPGP class. It summarizes key topics like approaches to customers, customer value elements, buyer behavior, segmentation, and pricing. It also provides an overview of Blue Star Infotech, describing its origin and growth, business models including delivery models of offshore development and extended offices, and business models of fixed price, time and material, and co-sourcing. Partnership models are also mentioned for acquiring overseas business.
This document contains confidential information belonging to AAUM. Any disclosure of this confidential information would damage AAUM. AAUM retains ownership of all confidential information contained in this document, regardless of the media. This document contains claim analytics data that AAUM considers confidential.
Quant Foundry Labs - Low Probability DefaultsDavidkerrkelly
油
The Quant Foundry Labs division was approached to improve models for predicting low probability sovereign defaults. They developed a machine learning model that uses a large dataset of economic, financial, and governance indicators to predict sovereign credit ratings. The model was trained and tested on historical data, demonstrating improved accuracy over traditional statistical techniques. Explanatory tools also provide transparency into the model's predictions. The results represent an improvement in predicting low probability default events, which can help with regulatory requirements and risk management.
Bank Customer Segmentation & Insurance Claim PredictionIRJET Journal
油
This document summarizes a research project that aims to help a bank segment their customers and help an insurance company predict insurance claims. The project uses data mining techniques like clustering and predictive modeling with machine learning algorithms. For the bank customer segmentation problem, the document describes applying hierarchical and k-means clustering on customer credit card usage data to identify customer segments. For the insurance claim prediction problem, the document outlines applying classification models like CART, random forest and artificial neural networks on historical claims data to predict future claims and compares their performance. The results from both problems can provide business insights like tailored promotional strategies for different customer segments and recommendations to reduce claim frequency and improve sales for the insurance company.
This document describes how an international bank used the DATACTIF knowledge generation platform to increase sales of investment products. DATACTIF was used to cluster credit card owners into groups based on their transaction patterns. These clusters provided insights into customers' financial profiles and spending behaviors. DATACTIF then predicted which clusters would be most interested in various banking products like loans and mortgages. This allowed the bank to target specific customer segments for marketing campaigns. DATACTIF's predictive models achieved 41% accuracy for investment products and 78% for personal loans. The combined clustering and prediction results helped the bank develop long-term strategies to boost product sales.
This document presents research on analyzing auto insurance premium pricing and risk factors using various business intelligence tools. The research aims to examine how factors like car age, duration of previous policies, average customer age, and others affect quoted premium prices and influence risk categories. The research first develops a proposal justifying the use of tools like SPSS, R, Tableau and IBM Cognos to analyze insurance data. It then outlines data cleaning steps to import an insurance database into SPSS. Regression analyses are conducted in R and SPSS to determine relationships between variables. Descriptive analyses in Tableau and IBM Cognos validate regression results by visualizing variable relationships. The research finds factors like lower car age and duration of previous policies correlate with higher
IMPLEMENTATION OF A DECISION SUPPORT SYSTEM AND BUSINESS INTELLIGENCE ALGORIT...ijaia
油
Data processing is crucial in the insurance industry, due to the important information that is contained in
the data. Business Intelligence (BI) allows to better manage the various activities as for companies
working in the insurance sector. Business Intelligence based on the Decision Support System (DSS), makes
it possible to improve the efficiency of decisions and processes, by improving them to the individual
characteristics of the agents. In this direction, Key Performance Indicators (KPIs) are valid tools that help
insurance companies to understand the current market and to anticipate future trends. The purpose of the
present paper is to discuss a case study, which was developed within the research project "DSS / BI
HUMAN RESOURCES", related to the implementation of an intelligent platform for the automated
management of agents' activities. The platform includes BI, DSS, and KPIs. Specifically, the platform
integrates Data Mining (DM) algorithms for agent scoring, K-means algorithms for customer clustering,
and a Long Short-Term Memory (LSTM) artificial neural network for the prediction of agents KPIs. The
LSTM model is validated by the Artificial Records (AR) approach, which allows to feed the training dataset
in data-poor situations as in many practical cases using Artificial Intelligence (AI) algorithms. Using the
LSTM-AR method, an analysis of the performance of the artificial neural network is carried out by
changing the number of records in the dataset. More precisely, as the number of records increases, the
accuracy increases up to a value equal to 0.9987.
Partha Sarathi Pattnaik has over 13 years of experience in roles such as software developer, team management, data analyst, tester, BI reporting analyst, and business analyst. He has strong skills in data mining, machine learning, statistical analysis, data visualization, and databases. Some of his projects include building predictive models for credit risk assessment and client categorization, designing a common data model for risk analysis, and creating best execution reports for regulatory compliance.
Daniel Kocis provides quantitative advisory services and statistical modeling for consumer financial industries using large datasets and advanced analytics. He has developed risk models, reports, and strategies for several large financial clients to optimize processes like new customer acquisition, cross-selling, and default analysis. Kocis also builds statistical models to analyze consumer credit behaviors and predict future risks using credit bureau and payment data.
The document describes several case studies completed as part of a business analytics course. The case studies covered topics like social media metrics for a gym, car performance analysis, employee salary prediction, fraud detection, stock price prediction, product recommendations, online marketing campaigns, and demand forecasting for a bicycle rental company. Machine learning techniques like regression, neural networks, support vector machines, and ensemble models were applied to solve problems in various domains like healthcare, retail, and transportation.
Webinar - Know Your Customer - Arya (20160526)Turi, Inc.
油
Rajat Arya discusses using machine learning for lead scoring to improve sales conversions and marketing campaigns. Lead scoring uses customer data and machine learning models to predict the likelihood of leads converting and prioritize sales and marketing efforts. Implementing lead scoring can increase conversion rates, shorten sales cycles, and boost revenue. Machine learning approaches for lead scoring learn patterns from historical customer data to understand what attributes and behaviors indicate a lead's propensity to become a customer.
Ankit Vasudeva has over 5 years of experience as a software developer working on trading compliance and anti-money laundering projects. He has worked with various banks like JP Morgan, Citi Bank, and Deutsche Bank on developing models, workflows, and applications using Nice Actimize. Some of his responsibilities included requirement gathering, custom development, configuration, testing, and acting as the point of contact for offshore teams. He is proficient in Java, SQL, Spring, Hibernate, and Agile methodologies.
Preetam Kumar Sahu is seeking a position as a Business Analyst with over 4 years of experience in business analysis and working with various stakeholders to understand and document requirements. He has experience preparing documentation like BRDs and writing specifications. Some of his project experience includes working on applications for Credit Suisse and UBS in roles like business analyst, L2 support, and deployment. He is proficient with tools like BMC ITSM, SQL, and methodologies like Waterfall and Agile.
Mohammed Jawed Khan is an experienced business intelligence and analytics expert with over 16 years of experience. He has strong skills in areas such as data analytics, business intelligence, strategy planning, and data modeling. Khan has worked on predictive analytics projects for various clients in industries such as finance, retail, energy, and capital management. His experience includes roles at IBM, Morgan Stanley, and currently as a data analyst at Abdul Latif Jameel Finance in Saudi Arabia. Khan holds a Master's degree in Business Analytics from Indiana University and certificates in business analytics and SAS Enterprise Miner.
1) 19% of existing customers become repeat customers, purchasing a second or third car from the same dealership.
2) The document analyzes purchase history data to determine which subsequent car models repeat customers are most likely to purchase after their initial car.
3) Several predictive models are proposed, including decision trees, to more accurately predict a repeat customer's next vehicle based on additional customer profile data like age, income, gender, and occupation. Better predicting customer preferences could help improve marketing strategies.
This document describes using a decision tree model to predict repeat customers for an automotive company. It analyzes customer purchase history data from 2005-present to identify 125,629 repeat customers out of 425,745 total customers. A time window of 8 years is identified as having the highest likelihood of a second purchase. The decision tree model is trained on customer profile data and purchase history to assign probabilities of being a repeat customer. Highest probability customers within 8 years are prioritized for targeted solicitation through an automated dashboard process to improve sales.
This document discusses using machine learning models to optimize a company's collections process. Specifically:
1. Models are built using historical payment data to predict customers' likelihood and timing of payment.
2. The models help prioritize collection calls, target communications more effectively, and identify cases where legal action may be needed sooner.
3. A phased implementation is proposed, starting with a limited test and expanding the approach over time to the whole region, with associated costs increasing as the scope expands.
This document outlines a sales forecasting methodology that uses time series analysis and exponential smoothing. It identifies trends, seasonality, and irregular components in historical sales data. It derives seasonal adjustment factors and uses exponential smoothing to forecast, adjusting for trends. The forecast is compared to actual sales and further refined through joint review with marketing, operations, and finance considering factors like promotions, new products, and production capacity.
This document discusses using analytics to optimize collection efforts. It presents results from a collection optimization model that was tested on 661 customers, achieving 96.39% accuracy in predicting who would pay and 91.07% accuracy in predicting who would not pay. The model also provides insights into customer payment behavior that can help strategically focus collection efforts. Moving forward, the solution will be expanded to more branches and regions to further reduce rising overdue rates.
1. 1/5
Resume
Personal Details
Name Mohammed Jawed Khan
Email mohjkhan@indiana.edu
Mobile +966-568121688
Nationality Indian
Marital Status Married
Date of Birth 03 Oct 1975
Role: Data Scientist
Qualifications:-
Graduation: Master of Science, Business Analytics (2015)
Kelley School of Business, Indiana University, USA.
Under Graduation: Bachelor of Technology, I.I.T New Delhi (2001)
International Languages:-
i. English (TOEFL-293/300 and 5.5/6 essay)
ii. German (DSH Universit辰t Stuttgart-Bestanden).
Certification:-
i. Graduate Certificate in Business Analytics (2014) IIM-Lucknow.
ii. Certified Predictive Modeller SAS Enterprise Miner 7 from SAS
Institute
iii. Six- Sigma Master Black Belt Certification from Indian Statistical
Institute.
Business Analytics Tools:-
Oracle Crystal Ball, Advance Excel (@RISK and the Decision Tools
Suite, Power Pivot), POM-QM.
Python, Matlab, SAS Enterprise Miner, JMP, SPSS.
BI-Tools: QlikView, Tableau, Excel Visualization
Programming:-
Base SAS, Java/ J2EE, Python, R, Visual Basic, MS/Unix Script, PL/SQL
2. 2/5
Professional Experiences:-
1. Operation Management (ALJF) (Jan12- current)
Role: Data Analyst; Location: KSA
About Company: ALJUF is the market leader in providing Auto finance
to its customers whether fleet or consumer finance. It facilitates sales
of new and used Toyota & Lexus vehicles through its leasing and
instalment portfolios. It has a network over 230 branches spread over
the country and its current receivables is around 17 billion SAR.
My role in the company has been initially to initiate Risk Modelling
solutions for various departments using COSO framework, develop
resource and process to mature ALJ in Analytics based company, and
finally lead the road map to the ambitious and high invested endeavour
to integrate Enterprise Analytics.
i. Maximize collectors performance.
Challenge: ALJUF is reducing number of collectors which will reduce
available collection efforts. This may directly impact the overdue of the
company. The task was to optimize available collection efforts (call,
SMS, legal action) with the limited number of collectors without
adversely affecting the overdue of the company or alienating profitable
customers. Collection effort was customized according to identified risk
groups.
Based on customer characteristics, a statistical model based on survival
analytics is developed, to identify by when a particular guest should
have paid their overdue. If payment was not received by this time, the
system triggered Agents to apply or intensify collection efforts.
Different collections efforts have different cost, and designing
appropriate effort will optimize collection operation cost.
Specific risk profile guest receive customized messages at appropriate
time, providing them time to act before the next level collection effort is
employed. Guests are called only when payment is not received until
the model suggested time. This will reduce the number of Guests to be
called by the collectors thus reducing collectors call effort.
Guests whose payment time is suggested by the model beyond the
current month should be proactively contacted from the beginning of the
month thus avoiding their delinquency. Collectors receive their specific
list to call/SMS which facilitates them to optimize their work.
Customer feedback using text mining was used to update customer
records and sentiments/follow ups.
ii. Target Forecast System: - ALJL requires forecasts of sales and
collection projects monthly targets at each hierarchy of branch staff,
supervisor, branch manager, AGM and Director based on historical
patterns using statistical methods. This is used to evaluate
performance of branch staff and evaluate commission of staff of
3. 3/5
profit centres. The historical time series sales and collection monthly
data of length 10 years was collected from FS-System. The seasonal
effect and periodicity was identified and filtered using adjusted
moving average method. The remaining effects were those of cyclic
components which was modelled using Fourier analysis and distinct
frequencies were identified. Finally diagnostic checks were
performed on residual (irregular) as free from autocorrelation or
partial autocorrelations till 30 lags through Box-pierce statistics.
iii. Marketing Campaign: Led the development of Analytic List for
targeted solicitation of potential repeat customer. The ensemble
model prioritise potential customer based on recommended
probability from decision tree, neural network, gradient boosting,
logistic regression. The recommending also suggested the preferred
product and the time of solicitation based on Survival Analytics. The
model suggested the communication channel as well as the time to
broadcast the promotion for specific customer. Using text analytics of
campaign feedback, campaign analysis success was measured.
iv. Application Score Card: - I design and development of Customer
Score Card (customer credit worthiness assessment) based on
training a predictive model using Statistical methods with existing
customer based on their payment behaviour and customer
demographic profile. This model predicts score evaluated for each
application. The trained model through regression model, decision
tree and neural net provided prediction on test data with reasonable
accuracy. Thus a predictive engine for new customers provided a
score which became a basis of considering them for new lease
application.
v. Bad Debt provisioning criteria: - The Company has every month
outstanding receivables on which bad debt provision is to be
ascertained in an optimal way using Flow method Approach. Based
on historical collection pattern, a series of segments were created
based on activity and months overdue applied at contract level thus
achieving lower bad debt provisioning to Basel II capital framework.
2. IBM Research (Oct06- Jan12)
Role: Business Analyst Location: Stuttgart, Kassel (Germany)
i. Daimler AG: IBM Daimler Chrysler (IVK) was developed to solve
Constructive Problems during Configuration as Model Construction
for customization of design and configuration of Lastwagen.
Constraint solver Engine was IBM product and we utilized to
compute minimum conflict goals while solving interactive system
constraints during dynamic formulation of Daimler vehicles. The
challenge was to translate vehicle configuration constrains into
proportional logic to model dependencies and finite domain
constraints to represent conflicts. We also customised the Constraint
Solvers minimal conflict solver engine to pick solution from sub
optimal space to provide for consideration on time and memory
optimisation, even though constraint suspension was accommodated
4. 4/5
by tolerable threshold. This was quite an innovation and stimulating
team from cross cultural team from IBM Germany, India and Israel
and we could implement state of art solution.
ii. Volkswagen: Volkswagen AG Ersatzteile 2000 is an IT-logistic parts
ordering system forms the backbone for the supply of spare parts
for the VW and Audi dealerships Kassel warehouse. ET2000 had
capacity issues and poor responsiveness due to limitation of their
base EOQ model in handling some of the slow moving parts which
always had to be backordered at a cost, hence enhancement was
required. Using Demand forecasts of each slow moving Auto parts
based on historical data on demand and model variability in lead
time and applying Quantity discount models, a stochastic model to
control inventory was developed to generate reorder quantity and
reorder schedule to optimize inventory at each Tier of integrated
distribution system. To avoid stock outages, safety stock amount
was derived from the stochastic model.
3. Morgan Stanley (Apr04 2004 till Oct06)
Role: Associate; Location: Geneva (Switzerland).
Projects: MSCI BARRA Index creation
MSCI provides global equity indices, which, over the last 30+ years,
have become the most widely used international equity benchmarks by
institutional investors. Barra is the market leader in delivering
innovative, financial risk management solutions worldwide.
I was appointed as Associate and my work comprised of Modelling &
Analysis of MSCI indices creating market segmentation of portfolio
grouping for advising investors. Capital Investment for MSCI Barra
Index at Geneva which resulted in optimal portfolio creation based on
Risk and Return Period Profiles.
4. Project Associate, IKE, Germany (Feb02 Mar06).
Role: Associate; Location: Stuttgart, Germany
Projects: ECA
This project was developed by Instit端t f端r Kernenergie Energiesystem
(IKE) to create simulation model of Energy usage in school building. A
generic data model was used to define building components and
associating energy loss parameters. The model was then subjected to
different schedule profiles and subjected to varying Heating, Ventilation
and Air Conditioning (HVAC) conditions. This resulting energy usage
was fed to the Energy Concept Advisor (ECA) tool which was developed
to give retrofitting advice for building energy optimization.
5. AIIMS, New Delhi (Jan01 Jan02)
Role: Associate; Location: New Delhi, India
Projects: Department of Science and Technology, Government of India
The project was to create a disability correction tool through presenting
acoustically modified learning programs for dyslexic children.
5. 5/5
Publication:
Policy paper on Energy Concept Advisor.
http://www.annex36.de/eca/de/06util/pdf/A36SubtaskC_Appendix_ECA.pdf
Training/Internship
May00 - Aug00 Research Associate, Lehrstuhl f端r Mustererkennung
und Bildverarbeitung, Instit端t f端r Informatics; Freiburg Universit辰t.
Project I: Development of correction parameter table for a scanner
which scanned a colour palette of combination of 64 colours and showed
discoloration. With statistical methods, the colour table could map to its
original colour combination from RGB.
Project II: Robot vision program which identified the corners of cubes
using shortest path technique where curvature of line plot showed rapid
change is curvature.
Recommendation:
1. Prof Dr Fritz Schmidt (IKE, Stuttgart University) - Pensioner
2. Prof Dr Ash Soni (KSB, Indiana University)
3. Prof Dr Venkataramanan (KSB, Indiana University)
4. Prof Dr Frank Acito (KSB, Indiana University)
5. Prof Dr Yogesh Agarwal (Indian Institute of Management, Lucknow)
6. Prof Dr Gaurav Garg (Indian Institute of Management, Lucknow)
7. Prof Dr Amit Agrahari (Indian Institute of Management, Lucknow)
8. Prof Dr R K Srivastava (Indian Institute of Management, Lucknow)
9. Prof Dr Veena Kalra (All India Institute of Medical Science, Delhi)
10.Prof Dr Prem Kalra (Indian Institute of Technology, Delhi)