Amar Harolikar

Decision Sciences Practitioner : Retail Banking

Phone: +91-98452-30763 (India) ; +971-58-5728-079 (UAE)


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Hello, I'm Amar

I am an analytics and data science professional, working in this space since late 1990's. Analytics for me  is both a passion and a profession. I developed an analytics product for equity analysis and tracking in late 1990's during my CA articleship days, and that was the beginning of a fabulous journey. Some of the key projects I worked on hands-on have generated an incremental signed-off first year bottom-line impact of over USD 22 MM. In between, I took a a couple of years out to pursue another of my passions : derivative analytics driven setup had hit rates in excess of 65%.

So far I have had the opportunity of working with a variety of organizations : startups / very small org. / India business / offshore in an in-house environment  / offshore with large service providers / offshore with small service providers. This has provided me with a great view of what works and what doesn't in the area of analytics.

[I use the terms decision sciences / analytics in its broadest sense, and include data science, optimization, machine learning, well as reporting, BI, visualization, strategic analysis, campaigns and pretty much anything else to do with putting money on the table with data....and am hands-on across (coding level) ...No offense meant to anybody in clubbing reporting and AI in the same bucket. It's just easier to use a single term . I respect all other definitions.]

My strength : Analytics for Impact


Here is what one of my bosses told me early in my career.... when I thought I had done a fabulous (and sophisticated) analysis with a nice big 'estimated incremental impact' number, and in beginning stages of discussion for actual implementation.  I thought I will get an award, but I nearly got fired. Says my boss (his actual wordings are unprintable, I have toned it down here) "Amar, any Tom Dick or Harry can do an analysis or build a model  and show fictional impact... that's not counted. need to not only implement, but also get a written sign-off  from business ... only that is counted ...You get your salary and bonuses for creating actual impact, and not for spinning the wheels. If you can't do's your funeral" . There were a few other things he said in similar vein, which too are unprintable ...but you get the idea....

That was a hard lesson, and I had a very tough time ...but an invaluable one and has stayed with me ever since. Many a times since then I have had the opportunity to create real impact, and many a times I have spun my wheels. I am immensely proud of the times when I was able to create real impact, and consider the rest as a learning experience and corporate reality.

A few other things I learnt from my bosses

  • If you cannot do something well, then step aside and don't do it at all - a broken product is is worse than no product.

  • Bend over backwards for business partner satisfaction, but don't break your back
  • Sometimes the business partner / customer is wrong ; call it out gently but assertively - and be ready to face the consequences


100% individual contributor - specialist
Experimental Design / Machine Learning / Analysis / Reporting / Campaigns; Python-SAS-Power BI

End-to-end execution :
Business Problem - Data - Diagnostics - Strategy - ML / Analytics - Implementation - Impact Sign-offs

Hands-on analytics practitioner; 20 years creating business impact
▸ USD 22 MM+ of SIGNED-OFF first year bottom-line impact from hands-on implementations alone
▸ Built high-impact analytics teams; turned around operational metrics, gross margins, CSAT & people metrics
▸ Domain expertise : retail banking , custodial/ RIA (USA) ; marketing, risk & finance analytics
▸ ex-derivative trader, specializing in index futures, with hit rates in excess of 60%
▸ Methodologies: Strategic analysis, reporting / BI / automation, linear programming / optimization, machine learning including deep learning
▸Tools : Can develop on ANY tool / platform/ language; proficient with Python, Power BI, SAS

  • Advanced Analytics

  • Machine Learning

  • Artificial Intelligence

  • Optimization

  • Statistical Analysis

  • Modeling

  • Strategic Analysis

  • MIS / Reporting Platforms

  • Dashboards

  • Automation

  • Retail Banking : Marketing/ Finance / Risk

  • US Custodial / RIA Marketplace

  • Capital Markets : Equities / Derivatives/ Trading 

  • Python

  • Power BI

  • Advanced SAS 

  • Advanced Excel & MS Access

  • Analytics tool development

  • Web Development



Over the period of past two decades I have worked with FAB (UAE), HSBC, EXL Service (supporting DBS Bank Singapore), Wipro (supporting Sears USA), Fidelity (supporting Fidelity Custody and Clearing Services), Genpact, Standard Chartered Bank India and others.

For detailed work experience profile you may refer to my LinkedIn profile

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  • Martial Arts : TaeKwonDo - Bronze Medal - Mumbai Mayors Cup 2001 / Judo / Yoga


May 1998

Chartered Accoutant


  • All groups taken together and first Attempt throughout

  • 15th All India Rank in CA Inter

  • Top 1% percentile

Dec 1995

Cost & Management Accountant


  • Qualified during CA articleship

  • Finals in first attempt

April 1994

Bachelor of Commerce


  • Specialization in Mathematics & Statistics


Feel free to reach out to me to explore requirements, short term or part time. I work alone on consulting & short term projects and typically work only on one assignment at a time. Given limited bandwidth, I take on only a small set of projects which play to my strengths. I have seen this work out well for my business partner too, as they get top notch deliveries.

Detailed profile and industry references available on request.