Anil Jhanwar
Verified Expert in Management Consulting
Management Consulting Expert
Bengaluru, India
Toptal member since June 15, 2026
Anil is a Management Consultant with 15+ years at the intersection of AI, & financial services — delivering $10M+ in actual impact across credit risk, fraud, and collections at Grab, IndusInd Bank, and Fortive. What distinguishes Anil is his ability to translate AI strategy into execution — spanning go-to-market, operational transformation, and financial modeling across banking, fintech, and technology globally. He recieved AI Leadership Award — Gen AI & Analytics Summit 2025.
Career Highlights
Education Highlights
Certification Highlights
Case Studies
Agentic AI Voice Platform for Debt Collections
Expertise
- Agentic AI
- Artificial Intelligence (AI)
- ChatGPT
- Consulting
- Credit Risk Analysis
- Go-to-market (GTM) Strategies
- Machine Learning
- Python
Work Experience
Data Science India Head
Grab Holdings
- Directed the production deployment of an agentic AI voice platform for collections using LLM dialogue management, STT/TTS, and ML risk segmentation.
- Integrated ML-based risk segmentation with adaptive conversational strategies, improving early-stage recovery rates by 8% and driving $2 million in promise-to-pay conversion in the first quarter.
- Scaled multilingual collections automation across three Southeast Asian languages, creating a repeatable AI operating model for regional rollout.
Head of Data Science
IndusInd Bank
- Owned end-to-end development of the credit card application scoring model. The bank achieved 4% higher customer acquisition as the direct outcome of the revamped model while maintaining an identical risk profile.
- Reduced model risk management (MRM) validation time for the model by 50% by following a robust methodology and documentation approach during development.
- Built a credit card default prediction and early settlement model in collaboration with TransUnion, adding INR 500 million in collections and reducing NPAs.
- Identified a systemic gap caused by isolated acquisition and collections data silos; built the business case and led an integration initiative that enabled real-time reverse model feedback.
- Integration improved collection efficiency and reduced NPA losses by INR 100 million through sharper early-stage intervention.
Data Science Lead
Fortive Corporation
- Established the AI center of excellence (CoE), institutionalizing structured prototype reviews and driving five new MVP product concepts into the development pipeline.
- Developed a customized ChatGPT model fine-tuned on a proprietary text corpus, delivering significantly improved accuracy on domain-specific queries with business context.
- Led end-to-end predictive model development and production deployment for customer churn. Enabled the retention team to achieve $1 million in additional savings and 30% year-on-year reduction in customer churn.
Analytic Project Manager
EXL Service
- Built a fraud detection model for a leading US bank credit card portfolio and reduced false negative rates by 5%, translating to $3 million in prevented fraud losses.
- Enhanced model accuracy by 2% lift through advanced device-fingerprinting feature engineering, tracking suspicious device associations to build a high-signal predictive feature.
- Managed analytics delivery across data preparation, feature engineering, model development, validation, and stakeholder readouts.
Data Scientist
Zenosys Consulting
- Architected a predictive model enabling the City of Philadelphia government to make timely decisions for the safety of vulnerable children, achieving 15% better accuracy than human judgment and significantly reducing response times.
- Helped government stakeholders prioritize interventions for vulnerable children using data-driven risk scoring.
- Translated model outputs into operational insights that supported faster and more consistent case prioritization.
Analytics Strategy Manager
Political EDGE
- Created a predictive model to identify political alignment of voters using historical election data, enabling a micro-targeted campaign strategy instrumental in securing winning margins for clients.
- Guided a social media sentiment analytics strategy for a senior political leader, driving a threefold increase in online following within six months through data-driven content optimization.
- Created a robust SWOT analysis to ensure optimal allocation of resources with a strong data-backed strategy formulation.
Product Manager – Risk Analytics
ICICI Lombard GIC Ltd.
- Built a fraudulent claim detection model using logistic regression, enabling the claim processing team to identify potential fraud with significantly higher accuracy—translating to $0.5 million in savings and a 2-week reduction in response time.
- Reduced claims response time by two weeks by helping teams prioritize high-risk claims for investigation.
- Converted claims and policy data into risk features that improved fraud triage and operational decision-making.
Strategy Consultant
Gensol Conslutants
- Shaped INR 800 million in renewable energy investments by assessing project economics, eligibility, and carbon-credit upside.
- Qualified renewable energy projects for UN carbon credit incentives through financial viability and benchmark analysis.
- Built investment cases that helped clients prioritize commercially bankable clean-energy projects.
Education
Master's Degree in Data Analytics
Carnegie Mellon University (CMU) - Pittsburgh, PA, USA
Bachelor's Degree in Metallurgical and Materials Engineering
Indian Institute of Technology (IIT) - Roorkee, India
Certifications
AI Leadership in Industry Award
Gen AI & Analytics Summit
Deep Learning A-Z: Hands-on Artificial Neural Networks
Udemy
DataRobot AutoML Certification
DataRobot
Tableau 10 A-Z: Hands-On Tableau Training for Data Science
Udemy
Skills
Finance
Pricing, Data Analysis, Financial Modeling, Due Diligence, Credit Risk
Industry Expertise
Financial Services
Data & Analysis Software
SQL, Tableau, SAS
Other
ChatGPT, Generative Artificial Intelligence (GenAI), Agentic AI, Machine Learning, Artificial Intelligence (AI), Data Analytics, Consulting, Credit Cards & Transaction Processing, Brand Strategy, Data Modeling, XGBoost, Convolutional Neural Networks (CNNs), Python, Claude Code, Business Development, Go-to-market (GTM) Strategies, Business Strategy, Business Planning, Data Migration, Finance, Large Language Models (LLMs), Logistic Regression, Spark, Hadoop, Apache Hive, Public Policy, policy making, Administrative Management Analysis, Data Science, Optimization, Network Optimization, Predictive Modeling, Big Data, R Programming, XG boost, Strategy, Random Forest Regression, Product Management, Product Pricing, Product Owner, Investment Analysis, Renewables, Strategic Communication & Messaging, Statistics, Language Models, Credit Risk Analysis, Collections Analytics, Python 3, Deep Learning, credit scorecards, Credit Collection, automl, Excel VBA, dataiku, automated machine learning, Data Visualization, Dashboard Development, SAP
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