Sk Raju

Data Scientist @Aditya Birla Health Insurance Company Limited

Mumbai, IN

Built an end-to-end, ML-driven Customer-Lifecycle Intelligence Framework for Health Insurance:• Sourcing Optimisation that recommends the most profitable product/add-on mix at point of sale, instantly displaying a renewal-likelihood preview• Feeds a Dynamic Real-Time Renewal Propensity model (time-decayed, event-aware, reason-coded) that tracks each policy from day 0 through three months post-lapse• Runs parallel Health-Wellbeing Scoring and Claim Propensity engines to segment customers by health risk and expected loss ratio• Combines outputs in a Preferred-Cohort Framework and an Influenceability Score that quantify profitability preference and communication leverage• Drives a Hyper-Personalised Engagement Strategy that times, targets, and selects the right channel/action—reducing unnecessary calls, enabling proactive coaching, and elevating renewal and claims outcomes

Government College of Engineering and Textile Technology, Berhampore

Master of Technology, Textile Engineering

Baksha B.N. Vidyalaya

Secondary

Indian Institute of Technology, Kanpur

Master of Technology, Industrial & Management Engineering (Data Science)

Government College of Engineering and Textile Technology, Berhampore

Bachelor of Technology, Textile Technology

Madhabpur Prathamik Vidyalaya

Primary

Baksha B.N. Vidyalaya(H.S.)

Higher Secondary, Science