Arnab Sarkar

About Arnab Sarkar

I am a Senior Manager in Business Intelligence & Analytics at Kotak Mahindra Bank, leading credit card analytics initiatives across acquisition strategy, portfolio performance, profitability (P&L), and portfolio risk management.I work closely with senior business, risk, and product stakeholders to drive data-led decisions that impact growth, risk, and financial outcomes. My role involves owning key portfolio metrics, identifying early risk signals, and enabling strategic actions through clear, insight-driven analytics and executive reporting.Previously at Bajaj Finance, I supported analytics across Credit Card and Personal Loan portfolios, with a focus on co-brand credit cards, pre-acquisition strategy, campaign management, and customer journey optimization. My work contributed to improved sourcing efficiency and cost optimization, campaign ROI, and early portfolio performance.With a strong foundation in data engineering and machine learning from HighRadius, I bring a balanced blend of technical depth and business understanding. I specialize in translating complex datasets into scalable analytics solutions aligned with real-world decision-making in the BFSI domain.Focus areas:• Business Intelligence & Advanced Analytics• Credit Card & Lending Analytics (BFSI)• Acquisition Strategy, P&L & Portfolio Risk• Campaign Management & Portfolio Analytics• Stakeholder & Executive ReportingTechnical toolkit: SQL, Python, Power BI, SAS, Databricks, PySpark, Azure, AWS, Redshift, MS ExcelI enjoy collaborating on high-impact analytics initiatives and am always open to conversations around data-driven growth, risk management, and business transformation.

Experience

1. Senior Manager Business Intelligence i Credit Cards Analytics

   Kotak Mahindra Bank

   Jun 2025 — Present · Mumbai, IN

   Working in Credit Card Analytics across acquisition strategies, portfolio performance, customer behavior, product trends, and profitability (P&L)-Drive data-led acquisition and portfolio actions by analyzing customer cohorts, sourcing channels, and lifecycle performance-Own portfolio risk monitoring, including delinquency trends, early warning indicators, and proactive risk actions in collaboration with business and risk teams-Support senior leadership through executive dashboards, MIS, and deep-dive analytics on growth, risk, and financial KPIs-Partner with cross-functional stakeholders to translate analytics insights into measurable business outcomes.

Education

• KIIT - Kalinga Institute of Industrial Technology

  B.Tech, Computer Science

• Delhi Public School Megacity, Kolkata

  Higher Secondary, Science with Computer Science

  2011 — 2018