Customer, Marketing & Analytics Leader

Turning customer data into commercial growth

18+ years building analytics systems that drive revenue — from customer lifecycle and marketing mix to pricing, loyalty, and GenAI. I help businesses make smarter decisions with their data, faster.

60+
Analytics professionals scaled across Data Science, BI & Engineering
$800M
Annualised sales portfolios managed with campaign analytics
25%
Cost to serve reduction via process automation & re-engineering
5%
Addressable revenue uplift via pricing & lifecycle optimization

About

Analytics leader.
Commercial thinker.

YJ
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Fellow — IFOA Institute and Faculty of Actuaries, UK

I'm Yashvant Jain — a customer, marketing, and analytics professional with 18+ years of experience turning data into revenue. I specialise in helping businesses understand their customers better, spend their marketing budgets smarter, and build the analytics infrastructure to make it all repeatable.

My work spans customer lifecycle analytics, marketing mix modelling, pricing, loyalty, campaign optimisation, and GenAI — always with a focus on commercial outcomes rather than models for their own sake. I've led analytics for portfolios generating up to $800M in annualised sales and scaled teams of 60+ across Banking, Insurance, Energy, and Retail.

I've worked across Accenture, AIG, TCS, AXA, CRISIL, Ernst & Young, and HSBC — and I bring the rare combination of deep technical capability and the commercial instinct to know which problems are actually worth solving.

Based in Bengaluru, India. Available for consulting engagements globally.

Customer & Marketing Analytics GenAI & ML 18+ years experience IIT Kanpur · Fellow IFOA

How I can help you

From customer analytics and marketing mix to pricing, GenAI, and credit risk — I help businesses use data to grow revenue, retain customers, and allocate spend smarter.

Credit Risk & Regulatory Modelling

Mortgage PD, Credit Card EAD and LGD models under Basel frameworks. Behavioral scorecards, utilization forecasting, underwritten risk profile dashboards, and CCAR-compliant balance sheet planning for retail and wholesale portfolios.

Basel III/IV CCAR PD/LGD/EAD Risk Dashboards

Insurance Pricing & Actuarial Analytics

GLM-based pricing models, telematics driver scoring, frequency-severity modelling, delinquency tracking, claims analytics, and A/B testing for Travel and SME insurance conversion and profitability uplift.

GLM Pricing Telematics Reserving P&C / Health

Customer & Growth Analytics

Engagement-based segmentation, churn prediction, CLV, next-best-product and credit limit assignment, campaign ROI, and market size & volume share models to predict customer preference and drive acquisition decisions.

Churn Models CLV NBA Market Sizing

GenAI & Agentic Analytics (AI4BI)

Production GenAI solutions — AI4BI analytics assistants (saved 1.5 FTE on sales reporting), automated performance reviews, portfolio exception flagging, and agentic BI pipelines for decision intelligence workflows.

AI4BI LangGraph RAG Agentic AI

NLP & Complaint Intelligence

End-to-end NLP complaint classification engines — automatically route to KX knowledge bases or assign to the appropriate L1, L2, and L3 support teams. Text mining for triaging, capacity planning, and operational efficiency.

NLP Auto-Routing L1/L2/L3 KX Integration

Portfolio Monitoring & KPI Governance

Enterprise portfolio monitoring covering delinquency tracking, roll rates, limit and attachment monitoring, annual profit studies, and real-time KPI dashboards for underwritten risk profiles across banking and insurance books.

KPI Governance Delinquency Roll Rates Power BI

Capacity Planning & Helpdesk Analytics

Forecasting-driven capacity planning for helpdesk and contact centre operations — POS spike detection, demand forecasting, workload modelling, and L1/L2/L3 team sizing to reduce cost-to-serve while maintaining SLA.

Demand Forecasting POS Spikes ARIMA Ops Analytics

Pricing & Profitability Optimization

Tariff competitiveness, FX channel usage and deflection strategies, partner offer optimization, and channel-level pricing models for loyalty and energy retail to improve margins and acquisition funnel conversion.

FX Pricing Channel Deflection Profitability Loyalty

Analytics Transformation & Team Building

Scale analytics functions from POC to production and from 10 to 60+ people — operating model design, cloud data pipeline modernisation on Snowflake and GCP, and capability building across Data Science, BI, and Engineering.

Team Scaling Operating Model Snowflake GCP

Marketing Mix Modelling

ML regression on spend and outcome data to quantify channel-level contribution to revenue. State-of-the-art Bayesian MMM frameworks for robust uncertainty quantification, scenario planning, and ROI decomposition across paid media, offline, and digital channels.

Bayesian MMM ML Regression Channel ROI Scenario Planning

Incentive Optimization

Reinforcement learning and causal inference to determine the optimal incentive level per customer segment — maximising response rates while minimising cost of acquisition and retention. Moves beyond rules-based discounting to truly personalized offer strategies.

Reinforcement Learning Causal Inference Offer Optimization Uplift Modelling

Pricing Analytics

Dynamic pricing ML models, price elasticity estimation, and real-time inference pipelines — enabling businesses to respond to demand signals, competitor moves, and customer segments with precision pricing strategies embedded into production systems.

Dynamic Pricing Price Elasticity Real-time ML Competitive Pricing

Budget Allocation & ROMI

Spend allocation optimization across channels using constrained optimization and marketing measurement frameworks. Return on Marketing Investment modelling, incrementality testing, and attribution to ensure every pound and dollar is allocated to its highest-value use.

Spend Optimization ROMI Incrementality Attribution

Content Reuse & Asset Intelligence

NLP similarity and semantic search to surface reusable content assets across large libraries — reducing redundant production, improving consistency, and enabling teams to find and repurpose existing content at scale before commissioning new work.

NLP Similarity Semantic Search Asset Discovery Content Ops

Content Efficiency & GenAI Scaling

GenAI-powered pipelines to repurpose core content into multiple variants across channels, formats, and audiences — scaling content output without scaling headcount. From a single brief to email, social, web, and ad copy variants in minutes.

GenAI Content Variants Multi-channel Automation
Selected Work

Impact that speaks for itself

A selection of anonymised engagements across Banking, Insurance, Energy, and Retail — all delivered end-to-end.

Banking · Credit Risk · USA

CCAR Regulatory Forecasting & Risk Dashboard for a $50B+ Bank

Built wholesale loan forecasting models (prepayment, utilization, balance growth, origination spread) for CCAR-compliant balance sheet planning. Delivered dashboards for underwritten risk profiles, enabling commercial leadership to monitor portfolio health in real time.

$50B+ Balance sheet under model governance
Banking · Credit Risk · Retail

Mortgage PD, Credit Card EAD & LGD Modelling Suite

Developed PD models for mortgage portfolios and EAD/LGD models for credit card books under Basel frameworks. Built behavioral scorecards for lifecycle risk management and credit limit assignment, including next-best-product targeting to support cross-sell strategy.

Basel Compliant retail credit risk suite
Insurance · Pricing · UK / Global

Telematics Driver Scoring & GLM Auto Insurance Pricing Rater

Built telematics-based driver risk scoring and GLM Auto Insurance pricing models integrated into live pricing raters and frontline underwriting systems. A/B testing and UI/UX experimentation delivered measurable SME and Travel Insurance profitability improvement.

Live Pricing rater in production
Energy Retail · Loyalty · ANZ

Campaign, Loyalty & Channel Strategy Analytics Platform

Built revenue and channel optimization analytics including engagement-based customer segmentation, consumption personas, market size and volume share preference models, FX channel deflection strategy, and next-best-action engine across a loyalty ecosystem with $800M in annualised sales.

$800M Portfolio in campaign scope
Banking · GenAI · Enterprise

AI4BI Analytics Assistant — Automated Sales Reporting

Designed and deployed an in-house GenAI-powered analytics assistant handling ad-hoc sales figure queries and automating recurring performance reviews. Freed 1.5 FTE from manual reporting work and enabled analyst teams to focus on higher-value exception analysis.

1.5 FTE Saved through AI4BI automation
Financial Services · NLP · Operations

Complaint Classification Engine — Auto-Routing to L1/L2/L3 Teams

Built an NLP-based complaint classification engine that automatically routes incoming complaints to the KX knowledge base or assigns them to the appropriate L1, L2, or L3 support teams. Reduced manual triaging effort significantly and improved capacity planning accuracy for helpdesk operations.

25% Cost to serve reduction
Retail / Banking · Operations · Helpdesk

POS Spike Detection & Helpdesk Capacity Forecasting

Led a forecasting-driven capacity planning project for helpdesk operations, including detection of POS transaction spike events that caused demand surges. Built demand forecasting models to right-size L1/L2/L3 team capacity and reduce cost-to-serve while maintaining SLA performance.

SLA Maintained at lower operational cost

Toolkit

Technology & methods

Platforms

Snowflake Google Cloud Platform (GCP) Power BI MS Excel / VBA

Languages

Python (Scikit-learn, Pandas) SAS SQL LangChain / LangGraph

Statistical Methods

GLM / Linear & Logistic Regression ARIMA & Survival Models Random Forest, Decision Trees Stochastic & Freq-Severity Modelling

ML & AI

Clustering & Segmentation NLP & Text Mining RAG / Agentic AI Pipelines GenAI (Claude, LLMs)

Domains

Banking & Credit Risk P&C & Health Insurance Energy Retail & Loyalty Actuarial & Reserving

Credentials

Fellow — IFOA (UK Actuary) M.Sc. IIT Kanpur (2002–2007) 18+ years industry experience Senior Manager / Director grade

Your AI analytics advisor

Have a question about your analytics strategy, credit risk modelling approach, or whether GenAI is right for your use case? Ask the AI version of me — trained on my 18 years of expertise.

Useful for: scoping a project, understanding methodologies, comparing approaches, or deciding if we're a good fit before reaching out.

Suggested questions

YJ

Yash — Analytics Advisor

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YJ
Hi! I'm Yash's AI assistant — trained on his 18 years of analytics and actuarial expertise. Ask me anything about credit risk, insurance pricing, GenAI, or data strategy.
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