Divya Joshi

Data Product & Analytics Consultant with overall 9 years of experience driving product strategy, decision science, and business growth across FinTech, Consumer, Rewards, and Retail domains. Proven track record of leading analytics roadmaps, optimizing product funnels, and delivering actionable recommendations to business leadership. Experienced in designing A/B testing frameworks and leveraging AI for exploration and insight generation.

Trusted partner to Product, Engineering, and Business leadership in converting complex data into practical business growth.

Consultant, Product Analytics - Fractal Analytics - Gurugram

(2021-07)

• Engagement scoping and ownership: Run analytics engagements end to end — gather requirements from stakeholders, define the business question and success criteria, plan the analysis approach and data needed, and agree deliverables and timelines.
• Delivery management: Manage delivery across 2 concurrent workstreams, tracking milestones, flagging risks early, and keeping product and business stakeholders updated on progress and blockers.
• Cross-functional partnership: Work with product managers, engineering, design and business stakeholders to define success metrics, business hypotheses, experiment plans and feature prioritization.
• Stakeholder communication: Develop and deliver executive-level presentations, translating complex data findings into clear strategies that support the business objective.
• Team mentorship: Mentor 3 junior analysts on SQL, experiment design and result interpretation, and review their analysis before it reaches the client.
• Reusable assets: Maintain documented, reusable SQL and analysis assets so recurring measurement can be re-run without rework.

Lead Decision Analytics - Google Pay

(2021-07)

• Lead decision analytics for Google Pay, turning analysis into recommendations that shape product roadmaps, in partnership with product, engineering and business counterparts.
• Own experimentation strategy and impact measurement across 50+ A/B tests, covering customer adoption, funnel conversion, feature effectiveness and business impact.
• Translated test results into shipped product recommendations, delivering a 12% lift in approval rate.
• Sized the market opportunity and built the decision framework behind ~$300M in identified credit disbursal opportunity, using customer segmentation and opportunity-loss analysis.
• Conduct deep analysis of Google Pay transaction and credit bureau data to identify emerging customer trends, business opportunities and roadmap priorities.
• Apply Generative AI tools and assistants to accelerate SQL development, data exploration, A/B test analysis, hypothesis generation and experiment insights, reducing analysis turnaround time by 30%.
• Run experiment readouts with product and business stakeholders, aligning them on interpretation, trade-offs and the launch or iterate decision.

Analytics Role - Google Customer Rewards

(2021-07)

• Set quarterly performance targets and aligned incentive structures with business and partner stakeholders to improve ROI and budget efficiency across customer reward programs.
• Built a customer benchmarking tool using data science techniques, delivering insight on partner performance relative to industry peers.
• Designed and implemented automated workflows using Google Pipelines, improving process efficiency by up to 95%.

Applied Data Scientist - Dunnhumby - Gurugram

(2019-08 - 2021-04)

• Engagement scoping: Scoped and planned campaign measurement with client teams, agreeing target metrics, test design and sample requirements before campaigns launched.
• Feasibility analysis: Used power analysis to determine the sample size required to detect an uplift of a given size at a desired level of confidence.
• Evaluated campaign performance data and calculated uplift and key KPIs across 2 retail clients, with campaigns delivering an average 15% uplift.
• Performed churn analysis on customer buying behavior to identify lapsed customers and reactivation opportunities.
• Conducted long-term campaign impact analysis using t-tests to measure sustained effects beyond the active campaign period.
• Client communication: Delivered results and recommendations to retail client stakeholders, and maintained the analysis code and QA checks behind recurring campaign measurement.

Associate Consultant - LiquidHub Analytics (a Capgemini company) - Gurugram

(2017-10 - 2019-08)

• Classified Microsoft licensing data into its product hierarchy, and designed, developed and deployed SSIS ETL pipelines in an MS SQL Server environment.
• Analyzed large-scale enterprise licensing datasets in SQL Server to identify data inconsistencies, missing hierarchies and record anomalies.
• Worked with business and technical stakeholders to clarify data definitions and resolve hierarchy gaps ahead of deployment.

M.Tech - Computer Science and Engineering - Amity University (2016)

B.Tech - Computer Science and Engineering - Uttarakhand Technical University (2013)