Head of Analytics & D·AI·TVS Emerald
Building systems
that make
decisions better.
20 years building data systems across financial services, telecom, and real estate. I operate at the intersection of AI transformation, real estate strategy, and equity intelligence — redesigning systems, not just analysing them.
Work
Systems built.
Outcomes measured.
ML Adoption Framework
Adoption isn't usage — it's behaviour change. Built a Composite Adoption Score across four signals with Wilcoxon-validated impact proof for CXO consumption.
D·AI · Salesforce · StatisticsReal-Time Credit Risk Engine
Built a real-time ML credit underwriting engine for unsecured loans from scratch — reduced default rate by 4%, saving ₹4 Cr annually. Introduced MLOps with automated drift detection and model retraining triggers.
ML · Credit Risk · MLOps · AWS SageMakerNRI New Geo Strategy
Diagnosed that the 2.5× NRI productivity advantage is a top-of-funnel self-selection effect, not a closing skill. Reframed a ₹20L+ pilot on statistical grounds.
Strategy · Lead Analytics · Market IntelligencePredictive Dealer Scorecard
Built predictive dealer scorecards that increased engagement by 27%, generating ₹220 Cr in annualised revenue. AI-driven targeting delivered a further ₹60 Cr digital sales uplift at 25% lower campaign spend.
Predictive Analytics · Revenue Growth · TVS CreditSalesforce SDLC Governance
Designed a 7-gate delivery framework enforced by contract, not culture — covering SLA timelines, RAG definitions, defect severity, and portfolio health dashboards.
Governance · CRM · Programme ManagementHow I think
Thinking
Positions, not opinions.
AI Transformation
Q3 2026Why AI adoption inside traditional Indian companies fails at the last mile
The bottleneck is never the model. It's the gap between a score on a screen and a rep who trusts it enough to act. A framework for closing that gap — from lived experience.
Coming soon
Equity & Markets
Q3 2026The four-theme framework for investing in India's next decade
Electrification, industrials reshoring, real assets, and financial repression plays. How a thematic lens filters signal from noise in a market that rewards conviction over consensus.
Coming soon
Real Estate & Data
Q4 2026Precision targeting in real estate: what the NRI data actually says
Middle East concentration risk, self-selection effects, and why the 2.5× productivity advantage is a story about leads, not closers. The data is more interesting than the narrative.
Coming soon
Venture & Product
Q4 2026Building products with no engineering team — what actually breaks
What a no-code and AI-native stack can and cannot do. A practitioner's honest account of shipping without traditional development resources.
Coming soon
Contact
Let's build
something worth building.
Open to conversations on AI strategy, real estate analytics, and digital transformation.