Subha Vadakkumkoor

**** ******** ***** **** *** *517, Austin TX 78727 phone: 512-***-****, 574-***-****

Email: x3lngc@r.postjobfree.com

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Proactive and detail oriented analyst and team lead with extensive experience in predictive modeling, scenario analysis, reporting and automation. Direct involvement with business end users and external vendors as hands on analyst and offshore team coordinator. Being a fast learner and innovative, was key member of “clearing house”, exclusive team for quick-turn around pilot projects for prospective clients. Experience in Insurance, Retail and Banking verticals with the most in Insurance(Personal and Commercial). Proven skills of remote working (work from home) and strong communication.

Professional Experience

Fractal Analytics Inc 2010-current

Analytics Lead:

Integral part of R&D and BI departments of the client( a leading Commercial Insurance company), responsible for all new analyses and requirements, performing hands on modeling and data management as well as coordinating with the team offshore.

• On going analysis to measure impact of new generation pricing models. Disruption Analysis to quantify pricing variations due to the new model and to test implementation on real time quotes.

• On going analysis to standardize pricing factors of parent company and a newly acquired insurance company. Providing both Actuarial and Data Management Support to integrate the two companies.

• Measured impact of involvement of underwriters in the quote approval process. Identify major underwriting rules that fire and how underwriters manipulate data to get quote approved.

• Develop and productionalize reports and validations required by the Business Intelligence team. Requires strong understanding of business, working with DB2, SAS and SQL platforms. Reduced manual involvement upto 70% (in hours) with automation.

• Work flow prioritization and project management of three resources in offshore team.

Fractal Analytics Inc 2007- 2010

Senior Analyst:

Main analyst to the R&D department of client (Personal Lines Insurance provider), responsible for all modeling projects and adhoc analyses for Marketing and Actuarial departments. Built predictive models, performed Cost Benefit Analyses and provided ongoing support to Marketing Campaigns at client site.

. Customer Life Time Value creation and implementation. Built and implemented Discrete Time Logistic Model to predict customer lifetime and lifetime value(revenue) of new business customers. Worked with business teams to make the model ‘actionable’ and automated LTV generation. Implemetation in direct marketing increased IRR by 14%.

. Built logistic model for Marketing Reponse and performed target selection. Compared new model performance with old model by decile. New model reduced marketing cost by 20%.

. Designed and built an Excel-SAS based pricing simulator engine. Predicts and simulates impact of pricing changes on revenue and book size. Assists product managers in deciding rating changes. Interactive graphics and VB Macro functionalities help visualize what-if-scenarios.

. Cost Benefit Analysis and logistic-linear models for home inspection by external agents. The combined models reduced cost of inspection by 14%, reducing the number of homes to be inspected before policy and premium are approved.

. Developed approximate Fuzzy Logic Deduping method to identify customers who were re-quoted multiple times by agents. Used fields like Name and Address to match customers and cluster quotes. Common errors and variations in names and addresses were accounted for.

. Designed and maintained huge SAS databases for quotes and endorsements. Original databases in DB2 were FTP’ed as text files and imported into SAS. Weekly maintenance and refresh of these databases, validation and pre-designed report generation. Space saving techniques in SAS were applied reduced usage by 35%.

Mu Sigma Business Solutions Ltd Address 2006-2007

Business Analyst:

Hired on basis of internship performance to be part of “clearing house”. This team was designed only for prospective clients who needed fast and accurate delivery on their test projects, and was the business driver team.

. Predicted sales and isolated halo and cannibalization effects of advertising for a leading fast food company. Used log linear model to predict sales using the various advertisement media and costs as dependant variables.

. Developed risk score card for auto loan customers to predict probability of default. Logistic model for this leading bank was completed before time and the models built were implemented by the bank realtime.

. Predicated customer attrition for a leading online job agency in the US through a logistic model on behavioral data. Predicts attrition three months ahead to allow retention strategies.

. Automated multi-view report generation to track distribution changes in book of business, premium and loss across time and geography for a leading US insurance provider. Used MS Excel functionalities and interactive graphs.

Mu Sigma Business Solutions Ltd

Intern: 2006-2006

Assist on internal projects and SAS automation of internal tasks.

. Automated steps preceeding statistical model building process. Starting with data input, to cleansing, univariates, bivariates and profiling using SAS. Provides all inputs necessary for a user to start building statistical model.

. Studied and compared various time series modeling techniques on sales data of a leading US tire manufacturing company. Identify pros and cons of various methods and suggest best approaches to solving inherent issues like auto correlation.

Education

2006 MASTER OF SCIENCE – Operations Research and Computer Applications

National Institute of Technology (formerly REC), Trichy, India. CGPA : 8.2/ 10

2004 BACHELOR OF SCIENCE - Mathematics

Mahatma Gandhi University, Kerala, India, 95%

Statistical Skills

Discrete time logistic regression (Survival Analysis), Logistic Regression, Linear Regression, Log linear modeling, CHAID

Computer Skills

SAS BASE, SAS STAT, SAS SQL, Macro Language, Connecting to DB2 and ORACLE databases, Windows and UNIX SAS, SPSS, TREENET, CHAID, CART, MS EXCEL, POWERPOINT. Programming knowledge of C++ and PL/SQL.

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