With more than 17 years of experience as an analytics and research professional, Ghate has core expertise in developing business cases, formulating relevant analytical solutions and predictive modelling across the customer life cycle. He has worked extensively in the areas of data-driven strategy formulation and implementation for customer acquisition, cross-sell, up-sell, retention and value build up.

He is currently the SVP and head of consumer analytics and data sciences at HDFC bank and has participated as a speaker at various national and international forums on analytics. Under his leadership, the Data Science team at HDFC Bank has won several professional awards such as Great Learning Award for ‘Best Data Sciences Project’ and Great Learning Award for ‘Best Big Data Implementation’ at Cypher 2017, among many others.

He has an MBA from Goa Institute of Management and is being featured in the list for the first time.