Sandeep Kumar Pal

About Sandeep Kumar Pal

Leading AI product strategy in BFSI — turning data, models, and agentic systems into business outcomes.11+ years building and scaling digital products across lending and insurance — scaled BNPL from scratch to 6M customers and ₹500B+ in disbursals at Aditya Birla Finance, and now leading AI-led transformation at HDFC Life’s Data Labs.Currently focusing on AI for sales intelligence, customer onboarding, and next-generation product models — including exploring pay-per-use insurance frameworks inspired by overdraft mechanics in lending.Open to conversations around AI and product innovation in BFSI.

Experience

1. Avp- Data Labs Ai & Analytics

   HDFC Life

   Sep 2024 — Present

   Leading AI and analytics initiatives to transform sales strategy, customer onboarding, and next-generation insurance product models. • Building propensity models and next-best-action engines to improve sales conversion and agent productivity • Designing AI-powered customer onboarding journeys to reduce policy issuance time and improve activation • Developing agent nudge systems and personalisation engines for targeted customer engagement • Architecting agentic AI workflows to improve agent task completion and operational efficiency • Exploring pay-per-use insurance models — applying usage-based pricing principles from lending to life insurance, leveraging Account Aggregator and real-time behavioural data for dynamic, on-demand coverage • Leading cross-functional delivery across data science, product, and engineering

Education

• National Institute of Technology, Kurukshetra, Haryana

  Bachelor of Technology, Information Technology

• Indian Institute of Management, Calcutta

  Master of Business Administration, Finance, General

• Indian Institute of Management, Calcutta

  PGDM, Marketing and Finance

  2015 — 2017

• National Institute of Technology Kurukshetra

  B. Tech., Information Technology

  2007 — 2011

Skills

• Unix Shell Scripting
• Operating Systems
• Strategy
• E-Commerce
• Product Management
• Team Building
• Upgrades
• Dns Management
• Data Structures
• System Administration
• Perl
• Symantec Endpoint Protection
• Windows
• Jsp
• Servers
• Product Marketing
• Theory of Constraints
• Oracle
• Cloud Computing
• Entrepreneurship
• Html
• Iis
• Lean Management
• Teamwork
• C++
• Leadership
• Microsoft Office
• Sql
• Linux
• Core Java
• Microsoft Sql Server
• Marketing Strategy
• Xml
• Java
• Dhcp
• C
• Active Directory
• Unix
• Symantec Security
• Migration Projects