Ranil Bhatia

Background

About Ranil Bhatia

I’m a Consultant at BCG, working with global clients across the US and APAC. I focus on Financial Services and Tech, driving strategic initiatives across growth, digital transformation, sales acceleration, and cost optimization. Before BCG, I was a Credit Risk Analyst at American Express, where I designed global underwriting strategies. I led data science teams to build models for smarter credit line assignments across markets like the UK, Canada, Australia, and Mexico - enhancing risk precision, wallet share, and customer experience. I started my career at EXL, advising a top U.S. bank on data-driven strategic projects. I developed analytical models for collections and remediation, ensuring regulatory compliance. I built dynamic segmentation frameworks to personalize digital marketing—resulting in higher engagement and digital channel adoption. I hold an MBA from ISB (GMAT 740, 99th percentile) and a B.Arch from IIT Roorkee (AIR 6047, Top 10 in department). Outside work, you’ll find me painting, swimming, or curled up with a good novel.