Senior Data Scientist · PayPal · Bangalore

I solve problems
with data, and
now with agents.

An IIT graduate with a decade of turning complex data into clear decisions for finance, retail, IoT and hospitality teams. Lately, building AI that does the deciding too.

Dharmendra Agarwal
Dharmendra Agarwal
data, simplified into decisions
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Retail/IoT/Hi-Tech/Finance/Hospitality/Pharmaceutical
A collage of the work I do: dashboards, forecasting, agentic AI and geospatial analysis
A cross-section of the work: dashboards, forecasting, agentic AI and geospatial analysis.
Trekking in the Himalayas beside a glacial river
Skiing in the snow, ski on shoulder
Somewhere in the mountains. The other half of the work.
About me

Courage, patience and dedication are what pull me out of my comfort zone. I am a dreamer, an optimist, and someone who believes in the process.

Years inside fast-paced startups gave me deep business and technical range in a short time. I have built alongside leaders and visionaries who take challenges head-on, and I have always been driven by the impact I can create rather than the complexity I can show off.

I can take data of any complexity and simplify the solution as far as it will go, so the result is understood, easy to interpret, and actually moves a decision forward. I lead by example, sweat the details, and care most about creating real value for the business.

I like being challenged at every step. It keeps me feeling alive, and it is usually where the most interesting problems live.

The work I enjoy most cuts across analysis, models, strategy, visualization and the data engineering that holds it all together. My default setting is to go above and beyond: curiosity, rigor, impact.

Outside of work, I am usually deep in a Fallout run on the PS5, planning a trek into the mountains, or in a long conversation about AI or economics with someone who has an interesting point of view.

CuriosityRigorImpactAbove and beyondAttention to detailOwnership
Capabilities, in depth

Most of my work never fits in
a screenshot. Here is how it thinks.

Models, pipelines and agents instead of dashboards. These are the systems and frameworks behind the outcomes.

You, in plain English"why did approvals drop last week?"Orchestrator agentClaude · plans, calls tools, reasons over resultsKnowledge baseKPIs · schemas · rulesBigQuerySQL over warehouseSharePointlive files & reportsGitHubcode & lineageTableaupublished dataMCP TOOL LAYERWarehouse tables · documents · repositoriesGrounded answer + chart + next stepcited back to the raw numbers
Illustrative structure. Real metrics shown below.
AI & agentic systems

Agents that answer in plain English, grounded in real data.

I am building analytics agents where an orchestrator plans a question, calls the right tools through MCP, reads the raw results, and hands back a grounded answer with the chart and the next step. No hunting through dashboards.

How it works
MCPtools across BigQuery, SharePoint, GitHub and Tableau
RAGhybrid retrieval with reranking for trustworthy recall
ClaudeMCP serversMulti-agentRAGBigQuery
Demand forecast vs actualillustrative, shape of a model in productiontodayactualforecast
Illustrative structure. Real metrics shown below.
Data science solutions

Models that hold up once they leave the notebook.

Forecasting, recommenders, classification and NLP, built to survive production rather than win a slide. I pick the method to fit the problem, watch the gap between test and live, and ship outputs a leader can act on.

How it works
Forecasting · Recommendations · Text analyticsprototypes and production-ready pipelines; a few models live
Classical & deep methodsARIMA, collaborative filtering, neural nets. Chosen to fit the problem.
ForecastingRecommendersNLPTensorFlow
Activation funnelwhere users drop, and where an experiment moved the lineVisitorsSign-upsActivatedRetained (D30)100%42%28%19%A/B test on activation step lifted feature engagement+15%
Illustrative structure. Real metrics shown below.
Product analytics

Find the leak, then prove the fix.

I map the funnel to see exactly where users fall away, then run experiments to move that one step. The deliverable is a clear call on what to ship, backed by a readout anyone can follow.

How it works
38→49%active users grown through targeted work
10+/moexperiments read and translated into decisions
FunnelsA/B testingRetentionMixpanel
Segmentation matrixMonetary value →Frequency →Champions26%Loyal18%At risk15%Hibernating41%bubble size = share of base · drives the channel & offer for each group
Illustrative structure. Real metrics shown below.
CRM strategy

The right message to the right customer.

I segment the base by value and behaviour, then design the channel and offer for each group. Done well, it shows up as downloads, ROI and loyalty rather than just a prettier database.

How it works
~30Knew app downloads from one CRM programme
+20%campaign ROI and loyalty customers
SegmentationLifecycleSalesforceTargeting
Reporting & visualization

Dashboards that get opened
every morning.

A look at the range of my visualization and analytics work. Some pieces use sample or representative data, since most of my production work cannot be shared publicly. Click any dashboard to view it full size.

Project 01

Inventory velocity for a US real estate player

Client
Real estate player, USA
Objective
Analyse inventory velocity across Oakland neighbourhoods and communities
Data
Google Sheets and web sources, cleaned and merged dynamically in Power BI
Team
Solo project, reported directly to the CEO
Oakland real estate overall summary dashboard
Oakland real estate amenities dashboard
Project 02

Executive weekly summary for a major IoT client

Client
Major IoT client, USA
Objective
One executive view of weekly metrics across technology verticals
Data
Multiple SQL tables in Azure blob storage, merged into one optimized model
Reported to
Director of Analytics
IoT executive weekly summary dashboard
Project 03

Loan origination and credit-decision monitoring

Client
Consumer lender, APAC (anonymized)
Objective
Track the application funnel and decision quality, weekly and daily
Data
Loan applications enriched with credit-bureau (CTOS) and income data
Reported to
Business and risk leadership
Lending business summary dashboard
Daily performance indicators dashboard
Also in the portfolio

Range across pricing, growth and economics

Pricing dashboard

Pricing dashboard

Base vs net vs prospectus pricing by phase

Subscription revenue dashboard

Subscription revenue and churn

ARR, LTV and customer mix over time

US CPI dashboard

US Consumer Price Index

Long-run trend and item-level breakdown

Sales summary dashboard

Sales summary

Regions, top products and segments

TV ad volume dashboard

TV ad volume: client vs competitor

Share of voice and advertising trend

Covid analysis dashboard

Covid cases vs government decisions

Policy timeline against case and death trends

Ease of doing business dashboard

Ease of doing business

World Bank factors compared globally

The journey

A decade
in the making.

2014 to now · five roles · three industries

Sep 2021 to Present
Senior Data Scientist
PayPal India Pvt Ltd · Bangalore
  • Designed a holistic combined reporting system for the Global Financial Crimes program, speeding decisions for 5 teams and 150+ daily users.
  • Built an investigator performance scorecard used across 10+ teams and 1000+ investigators.
  • Developed a framework to find automation and efficiency opportunities across the CI ecosystem.
  • Maintain a demand-forecasting model for headcount planning, and monitor 10+ A/B tests a month.
  • Now building multi-agent AI tooling on top of it all.
May 2017 to Sep 2021
Lead Data Scientist
Loyalytics Consulting · Bangalore
  • Drove app active users from 38% to 49% via customer analytics and targeted segmentation.
  • Built a recommender system that held its accuracy from test into production and lifted basket size for the retailer.
  • Designed a retailer CRM strategy: ~30K downloads, ~20% better ROI, 20% more loyalty customers.
  • Processed 70TB+ in Spark-QL and ran Salesforce analyses over 100M+ rows, leading a team of 3 analysts.
Mar 2016 to Mar 2017
Manager, Business Intelligence
Treebo · Bangalore
  • Automated performance metrics and cleaned the booking funnel by flagging fraudulent bookings.
  • Built company-wide NPS monitoring and a pricing engine with the product team.
Nov 2014 to Feb 2016
Business Analyst
Analytics Quotient · Bangalore
  • Delivered marketing analytics and automated reporting for global brands.
May 2014 to Oct 2014
Software Consultant
Muraai Consulting Group · Bangalore
  • Developed customized web services and enhanced client solutions deployed on Cordys.

He challenges the conventional methods and is always thinking out of the box to help the team build better business solutions. I have nothing but great words for him and the value he brings.

AM
Abhishek Murali
Director of Analytics & Data Science, Apple Inc
Get in touch

Let's build something
that ships.

Open to senior and staff roles, and to consulting across analytics, AI, data, product and process work. If you have a problem that cuts across a few of these, let's talk.