Dr Sandhya Kuruganti is the Chief General Manager/Director of the Data Science Lab at the Reserve Bank of India. She has completed her PhD in Economics at Rutgers University and her masters from Delhi School of Economics. Prior to joining RBI, she was an Independent Analytics Consultant for nearly eight years. She is the coauthor of the highly rated book Business Analytics: Applications to Consumer Marketing. She has had nearly 18 years of experience in senior leadership roles: as Analytics Practice Head with Kairoleaf Analytics for five and half years, as Senior Vice President, Decision Management, CitiBank for nearly seven years, and as Senior Manager, Risk Management, American Express for five years.