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I am Ankit Rathore, a product and analytics leader who has built multiple 0-to-1 product platforms, designed end-to-end customer journeys, and enabled straight-through processing with AI-driven risk assessment and API-led architecture. I have owned product strategy, roadmap, UX, and user research, and I have established and scaled offshore data analytics teams to deliver portfolio analytics, dashboards, and advanced analytics to support spend and balance targets, offer optimization, and channel analytics across cards and card-related products in HSBC markets. I hold an MBA from IIM Bangalore and a B.Tech from IIT Roorkee, CFA Level II, and have managed globally distributed stakeholders across engineering, risk, legal, compliance, operations, and external partners. My career has spanned HSBC, American Express, ICICI Bank, and Evalueserve, with a track record of delivering measurable revenue uplift, reduced fraud, and improved customer experience.…I am Ankit Rathore, a product and analytics leader who has built multiple 0-to-1 product platforms, designed end-to-end customer journeys, and enabled straight-through processing with AI-driven risk assessment and API-led architecture. I have owned product strategy, roadmap, UX, and user research, and I have established and scaled offshore data analytics teams to deliver portfolio analytics, dashboards, and advanced analytics to support spend and balance targets, offer optimization, and channel analytics across cards and card-related products in HSBC markets. I hold an MBA from IIM Bangalore and a B.Tech from IIT Roorkee, CFA Level II, and have managed globally distributed stakeholders across engineering, risk, legal, compliance, operations, and external partners. My career has spanned HSBC, American Express, ICICI Bank, and Evalueserve, with a track record of delivering measurable revenue uplift, reduced fraud, and improved customer experience.

Ankit Rathore

Product Designer, Data Scientist, UX Designer, +2

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I am Ankit Rathore, a product and analytics leader who has built multiple 0-to-1 product platforms, designed end-to-end customer journeys, and enabled straight-through processing with AI-driven risk assessment and API-led architecture. I have owned product strategy, roadmap, UX, and user research, and I have established and scaled offshore data analytics teams to deliver portfolio analytics, dashboards, and advanced analytics to support spend and balance targets, offer optimization, and channel analytics across cards and card-related products in HSBC markets. I hold an MBA from IIM Bangalore and a B.Tech from IIT Roorkee, CFA Level II, and have managed globally distributed stakeholders across engineering, risk, legal, compliance, operations, and external partners. My career has spanned HSBC, American Express, ICICI Bank, and Evalueserve, with a track record of delivering measurable revenue uplift, reduced fraud, and improved customer experience.…I am Ankit Rathore, a product and analytics leader who has built multiple 0-to-1 product platforms, designed end-to-end customer journeys, and enabled straight-through processing with AI-driven risk assessment and API-led architecture. I have owned product strategy, roadmap, UX, and user research, and I have established and scaled offshore data analytics teams to deliver portfolio analytics, dashboards, and advanced analytics to support spend and balance targets, offer optimization, and channel analytics across cards and card-related products in HSBC markets. I hold an MBA from IIM Bangalore and a B.Tech from IIT Roorkee, CFA Level II, and have managed globally distributed stakeholders across engineering, risk, legal, compliance, operations, and external partners. My career has spanned HSBC, American Express, ICICI Bank, and Evalueserve, with a track record of delivering measurable revenue uplift, reduced fraud, and improved customer experience.

Available to hire

I am Ankit Rathore, a product and analytics leader who has built multiple 0-to-1 product platforms, designed end-to-end customer journeys, and enabled straight-through processing with AI-driven risk assessment and API-led architecture. I have owned product strategy, roadmap, UX, and user research, and I have established and scaled offshore data analytics teams to deliver portfolio analytics, dashboards, and advanced analytics to support spend and balance targets, offer optimization, and channel analytics across cards and card-related products in HSBC markets.

I hold an MBA from IIM Bangalore and a B.Tech from IIT Roorkee, CFA Level II, and have managed globally distributed stakeholders across engineering, risk, legal, compliance, operations, and external partners. My career has spanned HSBC, American Express, ICICI Bank, and Evalueserve, with a track record of delivering measurable revenue uplift, reduced fraud, and improved customer experience.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Intermediate

Intermediate

Intermediate

Work Experience

Digital Product & Portfolio Analytics Manager – Cards & Loans at HSBC

November 1, 2021 - August 1, 2025

Led the design and delivery of an omni-channel lending and payments platform with fully compliant UX, integrating with internal systems and 9+ microservices and merchant networks. Built and mentored a 10+ member offshore analytics team supporting multi-region analytics for spend, balance targets, next-best-offer, and acquisition/channel analytics. Key outcomes included a real-time decisioning engine (<10 seconds) with 10+ risk, policy, and underwriting scenarios, launching Pay Later, POS/e-commerce lending, and embedded lending journeys, and driving a $30M incremental revenue uplift while reducing fraud and improving uptime. Managed stakeholder alignment across underwriting, due diligence, legal, regulatory compliance, and security, and delivered UAT to full-scale launch.

Decision Science Analyst in Credit Risk at American Express

April 1, 2019 - October 1, 2021

Built models for spend and balance prediction and credit line assignment using ML techniques (XGBoost, kNN) leveraging 40+ features. Enhanced CLTV framework and revenue predictions, improving profitability and churn management. Led discussions with global CXOs to align on strategic roadmap and portfolio value in the $10B+ range.

Senior Product Manager at ICICI Bank

October 1, 2015 - June 1, 2017

Managed end-to-end commercial credit card portfolio, including product development, acquisition, engagement, and P&L. Launched India’s first contactless payment solution for SME, redesigned CRM architecture across 11 locations, and led cross-sell initiatives; integrated with VISA & MasterCard partner systems. Promoted to Senior PM in 1 year and received awards for the MSME Card launch.

Business Analyst at Evalueserve

June 1, 2014 - October 1, 2015

Conducted 150+ competitor benchmarks and industry analyses across 7+ industries for BCG; led a pilot project to create a financial products database (40K records) and trained a team for consistency and QC.