Sushama Kharat😊
About Sushama Kharat😊
Sushama Kharat serves as an Assistant Vice President at IndusInd Bank, focusing on Retail Assets Credit Cards within Consumer Banking Analytics. With a strong background in data analytics and management, she has held various roles in notable organizations, including Hansa Cequity and IIFL.
Work at IndusInd Bank
Currently, Sushama Kharat serves as AVP2 at IndusInd Bank, focusing on Retail Assets Credit Cards (RACC) within the Consumer Banking Analytics division. She has been in this role since 2023, working on-site at Business Square, Solitaire Corp Park, Andheri (E), Mumbai. In her position, she is involved in advanced analytics related to credit card products, contributing to the bank's strategic initiatives.
Previous Experience at Hansa Cequity
Sushama Kharat held multiple roles at Hansa Cequity, where she worked from 2012 to 2021. She began as a Senior Campaign Analyst in Campaign Management, then progressed to Senior Data Analyst in Database Management, and later served as an Associate Consultant in Analytics. Her tenure at Hansa Cequity spanned nearly nine years, during which she developed expertise in analytics and campaign strategies.
Educational Background
Sushama Kharat has a solid educational foundation in analytics and management. She earned a Master of Computer Management from Vidya Pratishthans Institute of Information Technology from 2005 to 2007. Prior to that, she completed her Bachelor of Commerce in Banking and Finance at Savitribai Phule Pune University from 2002 to 2005. Additionally, she studied Data Science at K2 Analytics, focusing on Python, statistics, and machine learning.
Technical Skills and Expertise
Sushama Kharat possesses advanced analytical skills, specializing in techniques such as Extreme Gradient Boosting (XGBoost) and Market Basket Analysis. She has experience in developing time series forecasting models for credit card spends and payments using SAS and Python. Her technical proficiency extends to creating automated dashboards for credit card analytics, enhancing data-driven decision-making.
Career Progression and Roles
Throughout her career, Sushama Kharat has held various positions in the banking and analytics sectors. She worked as a Software Engineer at ICICI Bank from 2007 to 2010 and later served as a Consultant at HDFC Bank. Before her current role at IndusInd Bank, she was a Senior Manager of Analytics at IIFL from 2021 to 2023. Her diverse experience has equipped her with a comprehensive understanding of analytics in financial services.