Incoming MBAi Candidate · Kellogg × McCormick, Northwestern

Hi, I'm Vaibhav Arora.
I turn data into decisions.

Analytics leader specializing in credit risk & pricing strategy. I've spent 5+ years helping US lenders and Fortune 20 companies unlock hundreds of millions in value through data-driven strategy.

5+
Years in Analytics
$100M+
Annual Revenue Driven
$20B+
Lender Portfolio Advised
4
Analysts Led
About

The intersection of data & decision-making

I'm an analytics professional with 5+ years of experience driving high-impact decisions in credit risk, pricing strategy, and business intelligence. Currently an Associate Manager at Indus Insights, I lead a cross-functional team delivering pricing and underwriting solutions for one of the largest non-prime lenders in the US.

Previously at Mu Sigma, I built analytical tools and dashboards for Fortune 20 companies in Oil & Gas and retail — reducing manual effort and surfacing actionable insights at scale.

In Fall 2026, I'm heading to Northwestern University to pursue the joint MBAi degree at Kellogg School of Management and McCormick School of Engineering — combining business leadership with artificial intelligence.

Career Highlights

  • Fast-tracked to Associate Manager in 17 months vs. 24-month firm average
  • 5-star rating — top <5% of employees at Indus Insights
  • Top presenter among 20+ colleagues at firm-wide Knowledge Share
  • 3 Spot Awards & 2 promotions in 32 months at Mu Sigma
  • Conducted 50+ interviews shaping the talent pipeline
Experience

Where I've made an impact

Oct 2024 – Present · Gurugram, India

Associate Manager Current

Indus Insights & Analytical Services
  • Lead $20B+ US lender engagement as primary analytics POC for credit and pricing strategy, managing a 4-associate team across pricing, underwriting, and risk workstreams
  • Spearheaded end-to-end optimization of listing logic on a leading US loan marketplace — diagnosed backend rule failures across 44 US states
  • Achieved preferred partnership status, unlocking $200M+ annual loan opportunities; drove ~6% booking uplift and $100M+ additional annual revenue
  • Strengthened talent pipeline through 50+ interviews, buddy sessions, and capability-building modules
May 2023 – Sep 2024 · Gurugram, India

Senior Associate Consultant

Indus Insights & Analytical Services
  • Engineered dynamic offer-generation framework with Product, Engineering & Risk teams — producing 5 compliant, optimal offers per customer profile
  • Led risk analytics for emerging Point-of-Sale business; designed mitigation plan reducing early-stage delinquencies by ~30%
  • Designed and executed A/B tests to optimize pricing models, improving conversion and retention metrics
Sep 2020 – Apr 2023 · Bengaluru, India

Decision Scientist (Levels I → II → III)

Mu Sigma Inc.
  • Led automation of asset benchmarking for a Fortune 20 Oil & Gas giant — estimated cost savings of ~$20M+
  • Delivered 3+ rapid engagements (2–8 weeks) for senior cross-functional stakeholders
  • Built budget-tracking dashboard for finance leadership across 5 digital platforms
  • Earned 3 Spot Awards; promoted twice within 32 months
Dec 2019 – Jun 2020 · Bengaluru, India

Data Analytics Intern

EY
  • Advised statutory audit teams with analytics-driven audit solutions; processed Journal Entry data from SAP & Oracle ERPs
  • Analyzed logistics costs and seller commissions for India's largest online retailer
Projects

Selected work

📈

Loan Marketplace Listing Optimization

End-to-end revamp of interest-rate logic, offer configuration, and validation checks across 44 US states for a leading loan marketplace — fixing backend rule failures on high-value traffic channels.

$100M+ annual revenue · ~6% booking uplift
⚙️

Dynamic Offer-Generation Framework

Cross-functional engine built with Product, Engineering & Risk that evaluates policy constraints, loan-amount ranges, and term restrictions to generate optimal offers per customer.

5 compliant offers per customer profile
🛡️

Point-of-Sale Risk Analytics

Led risk analytics for a US lender's emerging POS business — analyzed on-us/off-us performance to identify drivers of elevated early delinquencies and designed the mitigation plan.

~30% reduction in early-stage delinquencies
📊

C-PAT Competitive Analytics Suite

Competitive performance analytics app for a Fortune 20 O&G company enabling benchmarking of unconventional assets and competitor analysis at scale.

~$20M estimated impact
💰

Product Line Budget Dashboard

Budget vs. actuals tracking dashboard for a Fortune 20 company's finance leadership, supporting accurate forecasting and financial planning across 5 digital platforms.

Improved budget tracking accuracy
🧪

Pricing A/B Testing Program

Designed and executed A/B tests to optimize pricing models and customer experience strategies for a major US non-prime lender.

Improved conversion & retention metrics
Skills

My toolkit

Domain Expertise

Credit Risk ModelingPricing AnalyticsUnderwriting StrategyA/B TestingBusiness IntelligenceData-Driven Strategy

Technical

SQLPythonRTableauPower BIExcelMongoDB

Leadership

Team ManagementStakeholder ManagementClient EngagementMentoring & HiringCross-Functional Collaboration
Education

Academic background

2026 – 2028 · Evanston, IL

Northwestern University

MBAi — Joint MBA + Artificial Intelligence

Kellogg School of Management × McCormick School of Engineering. Incoming candidate for the joint degree, March 2028.

2016 – 2020 · Manipal, India

Manipal Institute of Technology

B.Tech., Computer & Communication Engineering

Graduated First Class with a Minor in Digital Marketing (Grade A). Hospitality Head for 2 college festivals with 10,000+ attendees.

Beyond Work

When I'm not crunching numbers

🎹

Music

Classically trained keyboard & guitar player for ~10 years — recording Bollywood covers.

✈️

Travel

Avid traveler — 16+ countries explored and counting.

🏎️

Formula 1

Long-time F1 enthusiast tracking race strategy and team dynamics.

🏆

Sports Leadership

Team Captain at Indus Olympics — led a 25-member team across 10+ events.

Let's connect

Whether it's analytics, AI strategy, an MBAi question, or Formula 1 hot takes — my inbox is open.