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Dr. Puneett Bhatnagr

FinTech Data Science Professional

Data Analytics Professional

Data Governance Professional

Dr. Puneett Bhatnagr

FinTech Data Science Professional

Data Analytics Professional

Data Governance Professional

Contact Me
Hello, I’m

AI-Driven FinTech Innovator, Transforming Financial Data into Intelligent Solutions

I am a Ph.D. holder working as a highly accomplished professional in Financial Data Science and Analytics, specializing in the application of Artificial Intelligence (AI), Machine Learning (ML), and Big Data Analytics to transform financial decision-making processes. My expertise lies at the intersection of financial reporting, Regulatory reporting, Data Governance, FinTech platforms, and advanced data analytics, where I also developed predictive models, risk assessment frameworks, and AI-driven financial management solutions to enhance efficiency, transparency, and innovation in the financial sector.

With a strong background in financial technology research, I have contributed extensively to the study of AI-driven risk analytics, personal finance automation, and digital financial governance models. My research has been published in top-tier Q1 journals, and I actively collaborate with academic institutions and industry leaders to drive data-driven financial innovation.

Beyond academia, I engage in consulting and strategy development for financial institutions and FinTech startups, helping organizations integrate blockchain technology, AI-powered credit scoring, and algorithmic trading solutions to optimize financial performance. Additionally, I have been involved in developing data governance frameworks for financial compliance, addressing challenges such as regulatory risks, fraud detection, and automated financial advisory systems.

Through my work, I aim to advance the FinTech ecosystem by leveraging cutting-edge data analytics and AI models to enhance financial decision-making, regulatory compliance, and personalized financial services.
Professional expertise

My Work Experience

96

Completed
Projects

20+

Years of Experience

10+

Awards
Winning

American Express India Private Limited
2019 – Till Date
American Express India Private Limited
Director – Enterprise Data Governance
  • Develop data science solutions by leveraging Cornerstone, SAS, Python, SQL, Excel, Salesforce tools with Statistical Knowledge in Hive / Machine Learning techniques.
  • Own delivery of data science reporting and insights in a highly dynamic, matrix and evolving business landscape.
  • Advanced data manipulation & automation skills with Data visualization and Exposure to Big data environment & tools.
  • Design and build data science analytical insights/products to help the leadership team evaluate and drive business performance.
  • Create and deliver on a roadmap to globalize and digitize the performance reporting.
  • Involved in business requirement gathering and designing the Blueprint document as per the Best Practices, workflows and roles and responsibilities.
  • Holding regular meetings with the analysts/partners to identify and resolve business and technical issues arising from the projects and BAUs.
  • Engage with key stakeholders to drive initiatives to enhance sales experience, Automate and standardize reporting processes.
  • Lead, coach, and mentor a team of business analysts to drive data analysis, insights and reporting & enable product enhancements and expansions.
  • Ensure Service Level Agreement (SLA) adherence, drive Quality control and continuous improvements.
  • Partner with functional leaders, Strategic Business Partners to assess and provide reporting and analytical solutions to fulfil business requirements.
  • Demonstrated ability to provide insight and accurate judgment in addressing and resolving business challenges and opportunities.
  • Maintaining the Development Control List, Creation of Development functional specifications for the necessary developments as per the requirement.
  • Devise process improvement tools and methodologies that will ensure successful and timely implementation of new products or initiatives and drive automation.
  • Continuously measure the impact of business insights provided - $ value generated, key business improvements.
Barclays Shared Service
08/2015 – 11/2019
Barclays Shared Service
Associate Vice President
  • Experience in managing teams in a service-oriented environment and delivering against key process indicators and SLA.
  • Deliver key IT infrastructure programmes, deliver and transition new or additional processes from the onshore team as per agreed scope and timeliness.
  • Responsible for the project plan and engaging with stakeholders to ensure requirements are gathered in a timely manner.
  • Interacting with the Project manager to resolve outstanding issues, risk plan and risk mitigation.
  • Produce weekly / monthly dashboard highlighting performance against all SLAs and distributed to the defined distribution list.
  • Produce a monthly communication highlighting its successes and the previous month’s achievements distributed to senior stakeholders.
  • Ensure the team delivers a gold standard service which consistently meets the highest quality standards.
  • Apply the highest standards of controls and risk management practices and behaviours and embed a positive risk and control culture.
  • Demonstrate prudence sound judgement and appropriate and timely escalation in the management of all types of risk applicable to my role.
  • Support design/delivery of the new Target Operating Model for the function.
  • Drive Data Quality improvements, automation, and Lean for Risk business processes, drive further standardisation, right shoring, simplification and streamlining of core IT processes.
  • Ensure the team delivers as per agreed SLAs as per gold standard which consistently meets the highest quality standards.
  • Apply the highest standards of controls and risk management practices and behaviours and embed a positive risk and control culture.
  • Demonstrate prudence, sound judgement and appropriate and timely escalations in the management of all types of risk applicable to my role.
  • Stakeholder Management - Responsible to set realistic stakeholder expectations.
Canon Center of Excellence
03/2014 – 08/2015
Canon Center of Excellence
Service Delivery Manager
  • Supported clients in IT companies, Manufacturing, Engineering, and Telecom in designing their process and integration touch points.
  • Identify and understand the customer’s needs, proactively provide solutions to avoid issues, and accelerate clients' ability to achieve results while creating process documents or need assessments.
  • Determines operational strategies by conducting needs assessments, performance reviews, capacity planning, and cost/benefit analyses; identifying and evaluating production, productivity, quality, and customer-service standards; contributing information and analysis to organisational strategic plans and reviews.
  • Maintains and improves operations by monitoring system performance; identifying and resolving problems; preparing and completing action plans; completing system audits and analyses; managing system and process improvement and quality assurance programs.
  • Produce detailed project plans to manage interdependencies; Monitor the program/project, ensuring issues are resolved promptly, and the appropriate corrective actions are implemented.
  • Prepares performance reports by collecting, analysing, and summarising system data and trends. Manage long-term forecast/staff plan and lead monthly staff plan/budget meeting.
  • Work with training and quality to coordinate multi-skill training for existing agents; Accomplishes human resource objectives by recruiting, selecting, orienting, training, assigning, coaching, counselling, and disciplining employees.
  • Administering scheduling systems; communicating job expectations; system planning, monitoring, appraising, and reviewing job contributions; system planning and reviewing compensation actions; enforcing system policies and procedures.
  • Sets and executes a client relationship strategy that defines which issues to focus on, which opportunities to pursue, and which individuals to invest in.
Aon Hewitt
08/2011 – 09/2013
Aon Hewitt
Client Delivery Manager
  • Direct reporting of Analyst supporting clients from Manufacturing, IT companies, Telecom, etc.
  • Accountable for the delivery of all elements of the service provided to the client(s) including ongoing administration, projects, change, revenue, and relationship.
  • Interacting with the Project manager to resolve outstanding IT issues, risk plan and risk mitigation.
  • Preparing test plans, unit plans & integration testing plans, and creating functional specifications used by software development teams.
  • Preparing end-user training strategy and end-user training manuals. Eliciting and clearly documenting business and systems requirements
  • Work in collaboration with solution architects, delivery managers, system analysts, and development teams on projects and system solutions
  • Utilize the data obtained from a business insight to create systems and software solutions for a client. Leading meetings with stakeholders and development team, requirements clarifying, backlog refinement, planning, retrospectives, etc.
  • Client Management – stakeholder management, presentation to the steering committee, resolving client issues as per Service Level Agreements
  • Responsible for developing and implementing technology systems to optimize business processes and maximize profits for an organization.
  • Defining, planning, communicating, and monitoring adherence to quality standards and documentation templates that are used in the project
  • Expertise working closely with product and delivery organizations and related technical fields.
  • Experiences with code refactoring, design patterns, domain-driven development, continuous deployment, automated testing, highly scalable applications, and application security.
  • Provide support, training, coaching and feedback to your teams; Share your knowledge and experience with other analysts in the office, and also actively learn from their experiences
  • Developing sustainable business partnerships with clients and driving profitable client retention and profitable revenue growth.
  • Responsible for improving quality in both the delivery of change and business as usual activities; Govern and managing code builds for Continuous Delivery and Project teams.
Sopra Steria India Limited
09/2008 – 08/2011
Sopra Steria India Limited
Senior Service Manager
Dell International Services
06/2007 – 09/2008
Dell International Services
Senior Sales Manager
appreciation

My Reward and Recognition

learnings

My Learnings

education

My Education

Doctor of Philosophy
2019 - 2024
Doctor of Philosophy
Management

Doctor of Philosophy in Management from Amity University, Noida

Certificate

My Professional Certification

technology

My Technology Stacks

Python Programming
Python Programming
95%
MySQL Programming
MySQL Programming
100%
Java
Java
95%
C++
C++
85%
Tableau
Tableau
90%
Power BI
Power BI
95%
Visual Basic
Visual Basic
90%
Advance Excel
Advance Excel
95%
Tool Skills

My Tool Stack

Research Papers

My Research Publication

Neobank adoption: integrating the information systems effectiveness framework with the innovation resistance model
Emerald Publication
Neobank adoption: integrating the information systems effectiveness framework with the innovation resistance model
Management Decision

This study aims to integrate Delone and McLean’s information system success (DMISS) model with the innovation resistance model to evaluate the relationship between behavioural intention to use (BIU) and innovation resistance in the context of neo-banking.

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Artificial intelligence features and expectation confirmation theory in digital banking apps: Gen Y and Z perspective
Emerald Publication
Artificial intelligence features and expectation confirmation theory in digital banking apps: Gen Y and Z perspective
Management Decision

This study aimed to explore the impact of Artificial Intelligence (AI) characteristics, namely Perceived Animacy (PAN), perceived intelligence (PIN), and perceived anthropomorphism (PAI), on user satisfaction (ESA) and continuous intentions (CIN) by integrating Expectation Confirmation Theory (ECT), with a particular focus on Generation Y and Z.

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Study of AI-enabled chatbots driving customer experience and intention to recommend
Springer Nature
Study of AI-enabled chatbots driving customer experience and intention to recommend
International Journal of Systems Assurance Engineering and Management (IJSA)

This study examines the impact of conversational AI banking chatbots on enhancing Online Customer Experience (OCE) and influencing customers’ intention to recommend (ITR) banking services.

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Enhancing digital currency adoption: examining user experiences
Emerald Publication
Enhancing digital currency adoption: examining user experiences
Management Decision

This study aimed to analyse user experiences and perceptions of eRupee banking applications in India, focussing on understanding the key factors driving user satisfaction and dissatisfaction.

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Online customer experience in Indian digital banks impacting continuous intention usage: Generation Y and Z perspective
Emerald Publication
Online customer experience in Indian digital banks impacting continuous intention usage: Generation Y and Z perspective
Journal of Financial Reporting and Accounting

This study aims to conceptualise a customer-centric model based on an online customer experience (OCE) construct, mediated by e-loyalty (EL) and e-trust (ET), to improve the continuous usage intention (CUI) of Indian digital banks from Generation Y and Z perspectives.

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Continuous intention usage of artificial intelligence enabled digital banks: a review of expectation confirmation model
Emerald Publication
Continuous intention usage of artificial intelligence enabled digital banks: a review of expectation confirmation model
Journal of Enterprise Information Management

This study builds on a conceptual model by integrating AI features – Perceived intelligence (PIN) and anthropomorphism (PAN) – while extending expectation confirmation theory (ECT) factors – interaction quality (IQU), confirmation (CON), and customer experience (CSE) – to evaluate the continued intention to use (CIU) of AI-enabled digital banking services.

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The impact of Fintech innovations on digital currency adoption: a blockchain-based study in India
Emerald Publication
The impact of Fintech innovations on digital currency adoption: a blockchain-based study in India
International Journal of Accounting & Information Management

The purpose of this study is to integrate customer value theory (CVT) and protection motivation theory (PMT) to understand the factors that have an impact on customer experience, e-trust and intention to recommend, which influence the adoption behaviour of digital currency users.

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Understanding critical service factors in neobanks: crafting strategies through text mining
Emerald Publication
Understanding critical service factors in neobanks: crafting strategies through text mining
Journal of Modelling in Management

This study aims to analyse and understand customer sentiments and perceptions from neobanking mobile applications by using advanced machine learning and text mining techniques.

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A Study on Online Brand Experience in Indian Neobanking
Springer Nature
A Study on Online Brand Experience in Indian Neobanking
International Journal of Systems Assurance Engineering and Management (IJSA)

This study aims to construct and validate a conceptual model for assessing online brand experience (OBE) in the rapidly evolving Indian neobanking sector.

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Consumer insights on cultural appropriation in fashion: a Douyin analysis
Emerald Publication
Consumer insights on cultural appropriation in fashion: a Douyin analysis
Asia Pacific Journal of Marketing and Logistics

This study investigates consumer perspectives on cultural appropriation in the fashion industry by analysing user-generated content on Douyin.

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Click below to check further Research work

copyrights

My Copyrights

CONFERENCES

My International Conference

soft skills

Leadership Skills

  • Leadership
    90%
  • Critical Thinking
    90%
  • Mentorship
    95%
  • Empathy
    95%
Data science articles

My Articles

Data science portfolio

My Portfolio

Real-Time Payment Fraud Prevention with Graph Analytics and Machine Learning
Financial Fraud Detection, Graph Neural Networks, Machine Learning, Real-Time Risk Assessment
Optimizing Peer-to-Peer Lending Platforms Using AI-Based Creditworthiness Analysis
Credit Scoring, FinTech, Machine Learning in Finance, Peer-to-Peer Lending
Anomaly Detection in Financial Transactions: Enhancing Anti-Money Laundering (AML) Efforts
Anti-Money Laundering (AML), Financial Fraud Detection, Machine Learning, Unsupervised Learning
Cryptocurrency Price Prediction Using Hybrid Deep Learning Models
Cryptocurrency Analytics, Deep Learning, Sentiment Analysis, Time-Series Forecasting
Algorithmic Trading with Reinforcement Learning: Building a Self-Learning Trading Bot
AI in Financial Markets, Algorithmic Trading, Quantitative Finance, Reinforcement Learning
AI-Powered Risk Assessment: Developing a Predictive Model for Loan Default Prediction
AI in Banking, Credit Scoring, Financial Risk Analytics, Predictive Modeling
AI-Driven Fraud Detection: Leveraging Machine Learning for Real-Time Transaction Security
Data Science, Financial Technology, Machine Learning
Predicting Stock Market Trends with Deep Learning
Deep Learning, Financial Data Science, Time-Series Forecasting