Sumit Pal
San Antonio
Summary
Data and Analytics Executive with over 20 years of experience driving enterprise data, analytics, and technology transformation across Healthcare, Banking, and Financial Services. Proven ability to define and operationalize data and analytics strategy, design scalable enterprise operating models, lead large-scale organizational transformation, build high-performing teams, and drive value through data and analytics across the organization. Trusted executive partner to C-suite and senior leaders, influencing enterprise prioritization, funding, and establishing governance across complex, regulated environments. Demonstrated track record of building and leading high-performing teams, modernizing delivery at the portfolio, program, and project levels through standardized enterprise-level portfolio management, planning, and execution, with measurable business outcomes, operational cost savings, and building value-added strategic Data and Analytics Products to enhance competitive edge. Deep hands-on and strategic expertise across Data Architecture, Data Engineering, Cloud and Data Platforms, Data Governance, Business Intelligence, Advanced Analytics, AI/ML, and Data Science, with a strong focus on long-term scalability, reusability, and positioning Data and Analytics as a strategic enterprise asset and future growth driver.
Overview
21
21
years of professional experience
Work History
Sr. Director Data and Analytics
Acentra Health
06.2025 - Current
- Owned and operationalized the enterprise Data & Analytics operating model, delivering governed, scalable analytics capabilities across 50+ contracts and 30+ states within highly regulated healthcare environments.
- Established enterprise portfolio-level demand, prioritization, and governance, implementing Jira as the system of record for operations and delivery management, and providing executives with real-time visibility into capacity, performance, budget, timelines, and risk.
- Designed and implemented enterprise capacity and resource planning, enabling fact-based budgeting, funding decisions, and demand management with Business Operations and Finance leadership.
- Led the strategic shift from 'Data & Analytics as a Service' to a product-oriented mindset, defining roadmaps for reusable, value-added analytics products that enhance client outcomes, differentiation, and long-term market competitiveness.
- Drove organizational transformation toward automation-first, scalable, and reusable analytics solutions, achieving ~20% annual run-rate cost reduction while increasing delivery throughput through process optimization and operating model maturity.
- Strengthened enterprise-wide partnerships across IT, Clinical, Operations, and Business to streamline engagement models, improving delivery predictability, cycle time, and stakeholder confidence.
- Developed roadmap for data governance, standardized analytics products and capabilities, and strengthened regulatory compliance, data integrity, and accountability across 50+ client contracts.
Sr. Director, Head of Data and Analytics
GUILD MORTGAGE
03.2021 - 05.2025
- Served as enterprise Data & Analytics leader, partnering with the CIO and C-suite across Mortgage Originations, Servicing, Marketing, Secondary Markets, and Corporate Functions to align data and analytics strategy with business growth, risk management, and regulatory objectives.
- Defined and executed the enterprise Data & Analytics strategy and multi-year transformation roadmap, translating business strategy into scalable data platforms, analytics capabilities, and operating models.
- Built and led the Enterprise Data Services organization, establishing roles, governance, and delivery model; scaled the function to 30+ professionals with a $12M budget, while improving delivery efficiency and business impact.
- Led enterprise platform, tool, and vendor rationalization, consolidating data and analytics platforms to reduce complexity, cost, and risk while improving scalability and time-to-value.
- Led the modernization of Enterprise Data Warehouse, Business Intelligence, and Advanced Analytics / Data Science capabilities, leveraging AI and automation to accelerate legacy modernization and enable self-service analytics.
- Achieved ~50% improvement in data engineering cycle time and operational efficiency gains.
- Reduced dependency on legacy technology teams by ~60% through cloud adoption, automation, and AI-enabled development.
- Drove enterprise data policy, data governance, and architecture review functions, strengthening data integrity, regulatory compliance, audit readiness, and executive trust in enterprise data and transformed enterprise reporting and analytics across Servicing, Retail Operations, Finance & Treasury, Compliance, Sales, Marketing, Secondary Markets, and IT, enabling consistent, trusted data for timely decision-making.
- Championed and implemented ML models to understand and retain servicing customers, to enable the reverse mortgage line of business, and to evaluate the efficacy of outreach campaigns and marketing channels.
- Established enterprise-wide training, adoption, and data literacy programs, expanding analytics adoption from the Data organization to 1,200+ users, including C-suite leaders, supporting operational and strategic decision-making.
Senior Data Strategy Consultant
AETNA CVS
08.2020 - 02.2021
- Developed a prioritization framework for digital transformation initiatives, improving decision speed and focus.
- Led the architecture and deployment of underwriting analytics on MS-Azure.
- Managed solution design for RPA and reporting use cases, reducing manual processing time with clear ROI.
- Collaborated with underwriting stakeholders to align analytics outcomes with operational goals and decision quality.
Director of Information Architecture
USAA BANK
San Antonio
06.2018 - 07.2020
- Led the definition of authoritative data sources across banking and risk domains to support regulatory compliance.
- Implemented information architecture standards with Enterprise IT to achieve BCBS data certification and governance.
- Established metadata taxonomy and processes to improve analytics accuracy and accelerate data discovery.
- Developed business case to migrate from Netezza to Snowflake on AWS, yielding 25% operational cost savings.
Sr. Manager, Head of Product Analytics
CENTENE CORPORATION
St. Louis
03.2017 - 06.2018
- Led product analytics for Medicaid and Medicare rollout across 30 states, accelerating decision cycles and consistency.
- Implemented standardized KPIs and CMS-compliant metrics to support regulatory reporting and program performance.
- Built and managed a cross-functional analytics and compliance team to resolve state regulatory issues efficiently.
- Designed scalable Teradata and MicroStrategy architecture, ensuring STARS and HEDIS report accuracy and data security.
- Developed a predictive modeling framework that identified at-risk populations, leading to targeted interventions and measurable healthcare cost reductions.
Executive Director-Data Management & Analytics
J.P. MORGAN CHASE
New York
06.2014 - 03.2017
- Designed and led a global data and analytics delivery operating model, establishing a Center of Excellence to deliver enterprise regulatory reporting and analytics across 7 lines of business within Consumer and Community Banking.
- Built and managed a follow-the-sun global organization (42 professionals; $10M annual budget), providing scalable, high-availability analytics in a highly regulated banking environment.
- Standardized regulatory reporting and analytics capabilities, delivering $20M in cost savings and reducing platform redundancy by ~25% through consolidation and automation.
- Established vendor governance and sourcing strategy, achieving full vendor oversight and optimized vendor-to-associate ratios within six months.
- Recognized as an enterprise Center of Excellence, providing advisory and consulting services while piloting next-generation data platforms to support scalable, future-state analytics.
Sr. Manager Technology
ANTHEM INC (formerly known as WellPoint)
Indianapolis
04.2011 - 06.2014
- Led Enterprise BI delivery for regulatory and clinical programs, ensuring 5010 compliance and timely reporting.
- Reduced the cost of enterprise report delivery by 25% through data mart and architecture refinements.
- Built and managed a cross-functional team to expand reporting into population health and care management.
- Improved data quality using Master Data Management across Teradata, Netezza, and Greenplum environments.
- Spearheaded the integration of advanced analytics tools, enhancing reporting accuracy and support for strategic decision-making across departments.
Manager, Information Systems
UNITEDHEALTH GROUP
Minnetonka
04.2005 - 04.2011
- Responsible for development and production support of Enterprise Financial Data Warehouse (Oracle) & Reporting, managing General Ledger Accounting hierarchies (PeopleSoft nVision) for State, Federal, SEC filings.
- Manage annual budget of ~$2M.
- Drove process analysis and improved production support SLA (from 90% to 99.9%) and passed SOX audit for consecutive 4 years.
- Defined road map for Financial Data warehouse and Reporting, implemented Cognos BI and reduced cost of ownership by 75%.
Education
MBA -
Carlson School of Management
MinneapolisM.S. - Environmental Engineering and Computer Applications
Texas A&M University
B.E. - Civil Engineering
University of Pune
IndiaSkills
- Data, analytics strategy, roadmap
- Stakeholder engagement
- Change management
- Enterprise frameworks, operating models, processes, and governance structures
- Organization and team structure
- Global delivery and vendor management
- Data and analytics product management
- Data architecture and modeling
- Data policy and governance
- Data engineering and infrastructure
- Cloud computing (AWS, Azure)
- Process optimization, automation
- Enable AI/ML
- Database: Snowflake, Oracle, Redshift, Azure Synapse, SQL Server, Netezza, and Teradata
- ETL/ELT: Informatica, Snowpipes, AWS Glue, DataStage, Talend, Abinitio, Qlik, ADF, FiveTran, Matillion, Alteryx
- Business intelligence: Cognos, SSRS, Business Objects, Power BI, MicroStrategy, and Tableau
- Metadata: Alation, Collibra, Informatica
- RPA: UiPath
Websites
Additional Information
Leadership Certification from Dale Carnegie Institute and United Leadership Academy., Appreciation & awards from Corporate Finance, UnitedHealth Group., Appreciation & awards from Legal Department, Hewlett Packard., Recognition for Center of Excellence at J.P. Morgan Chase., Certified Oracle DBA 8i; Certificate Courses in ITIL, Cognos BI, MicroStrategy and IT Consulting, Hadoop & Big Data, Python, AI ML, Snowflake and AWS & Azure Cloud, SAFe Methodology, Continuous Improvement and Lean SDLC., Served in the Board of a local non-profit organization in San Antonio, TX and acting consultant (2020-Present)., Lead local College Intern recruitment drives and events. (2014-2017).
Timeline
Sr. Director Data and Analytics
Acentra Health
06.2025 - Current
Sr. Director, Head of Data and Analytics
GUILD MORTGAGE
03.2021 - 05.2025
Senior Data Strategy Consultant
AETNA CVS
08.2020 - 02.2021
Director of Information Architecture
USAA BANK
06.2018 - 07.2020
Sr. Manager, Head of Product Analytics
CENTENE CORPORATION
03.2017 - 06.2018
Executive Director-Data Management & Analytics
J.P. MORGAN CHASE
06.2014 - 03.2017
Sr. Manager Technology
ANTHEM INC (formerly known as WellPoint)
04.2011 - 06.2014
Manager, Information Systems
UNITEDHEALTH GROUP
04.2005 - 04.2011
MBA -
Carlson School of Management
M.S. - Environmental Engineering and Computer Applications
Texas A&M University
B.E. - Civil Engineering
University of Pune