Mani Ratnam

AI Researcher

Bengaluru, Karnataka, India4 yrs 4 mos experience

Most Likely To SwitchAI ML Practitioner

Key Highlights

Led ML-driven collections strategy in Fintech.
Developed high-accuracy fraud detection frameworks.
Prototyped innovative GenAI-powered solutions.

Stackforce AI infers this person is a Fintech Data Scientist with expertise in machine learning and analytics.

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Skills

Core Skills

Data ScienceMachine LearningPredictive ModelingAnalyticsNlp

Other Skills

AUCApache AirflowBERTBayesian statisticsBoosting algorithmsConsumer BehaviorCredit Risk ModelingData AnalysisData AnalyticsData MiningExploratory Data AnalysisFAISS AlgorithmGUSE EmbeddingsGen AIGoogle API

About

I am Mani Ratnam. I am currently working as a Sr Analytics Scientist at Zype. I hold a bachelors degree in Petroleum engineering from IIT Dhanbad. Ever since I discovered my knack for data, I've been learning state of the art techniques, finding creative ways to harness its power and use it in solving business problems. Looking at the data that is being generated everyday, there's an increasing need to incorporate big data technologies and hardware I love the fact that we can learn anything for free on the Internet, yes absolutely free.

Experience

Zype

Sr Data Scientist

Jan 2024 – Present · 2 yrs 2 mos · Bengaluru, Karnataka, India

Sr. Analytics Scientist | Collections & Risk (Series-B Fintech)
Leading analytics and ML-driven collections strategy for a $50M lending portfolio, focusing on repayment uplift, delinquency reduction, and cost efficiency. Built and deployed pre-due and post-due XGBoost models to predict on-time and 30+ DPD outcomes using bureau data and behavioral features, with evaluation via AUC, KS, and risk-based binning for production rollout.
Operationalized risk models across risk-segmented communications and tailored communications based on channel engagement metrics, AI voice agents, and incentive programs, delivering +6% uplift in on-time payments and +4.5% improvement in 30+ DPD recovery rates, while reducing monthly marketing costs by 11% through rolling cost optimization.
Drove experimentation and A/B testing in Underwriting, resulting in +3% improvement in on-time payments. Built fraud and concentration risk detection frameworks using employer and pin code profiling, and built an NLP frame work using Regex to identify identity theft of Indian government IDs like PAN/ Aadhaar /Bank Acc name etc in production the framework was able to catch frauds with 98.8% accuracy monthly.
Currently prototyping a GenAI-powered voice collections agent (STT–LLM–TTS) with Indic language support, integrating RAG and VAD for scalable, automated calling.

Credit Risk ModelingGen AIStakeholder ManagementPattern RecognitionQuantitative AnalyticsSQL+18

Sutherland

Sr Associate- Data Science & Analytics

Apr 2022 – Dec 2023 · 1 yr 8 mos · Bengaluru, Karnataka, India

Built Delinquency models for various countries, used tree based and boosting based algorithms to predict defaulters which helped optimize collection teams' efforts and increased collections value by 30%
Created similarity checking frameworks on conversational data for KPIs for the retail clients. Used BERT based pretrained models to generate embeddings later changed the tech stack to GUSE Embeddings and FAISS Algorithm.
Rewritten custom deep learning architectures of axquired CXM startup in Pytorch after deciphering the code base.
Taken care of the NLP pre-deployment pipelines for the insurance giant AFLAC, using Apache airflow, created airflow pipelines; fixed them when they failed.

Data ScienceAnalyticsNLPBERTGUSE EmbeddingsFAISS Algorithm+2

Gartner

Technology Associate

Sep 2021 – Mar 2022 · 6 mos · Gurugram, Haryana, India

Data strategist to create new products in the lines of research and advisory.
Built unsupervised sentiment analysis, Topic Modeling/clustering frameworks for social media
data(Twitter, fb, forums, blogs, articles )
Helped the researchers by automating text cleaning and dataset structuring using python.
Conducted secondary research on markets like AI, 5G, observability, MlOps etc.
Prototyped a python frame work integrated with UiPath for image analytics. The framework
scrapes the images across web and performs OCR (Optical Character Recognition) using Google
API then transforms the image into text and creates a dataset that will be further used to perform
various data science techniques relevant to the case/problem.