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Vishal Anand currently serves as VP of Data Science at Paytm, focusing on solving business problems and designing end-to-end solutions across various sectors, including recharge/utilities, travel, and ads data categories. Prior to this role, Vishal held the position of VP - Data and Modelling Insights at ANZ, where actionable insights were generated for decision science models and solutions were provided to address data challenges. Vishal's extensive experience in risk management includes a role as Director of Risk and Information Management at American Express, where customer management models and best practices were overseen. Early career experience includes positions at Evalueserve as a Business Analyst, where subscriber retention modeling was conducted. Vishal holds a Master’s degree in Economics from Indira Gandhi Institute of Development Research and a Bachelor’s degree in Civil Engineering from BIT Sindri.