Harjap Singh

Management Consultant

Dubai, United Arab Emirates3 yrs 11 mos experience

AI EnabledAI ML Practitioner

Key Highlights

Expert in credit risk modeling and analysis.
Proficient in AI/ML applications for finance.
Strong background in statistical data analysis.

Stackforce AI infers this person is a Fintech expert with strong capabilities in risk management and machine learning.

Contact

harjapharry3105@gmail.com LinkedIn

Skills

Core Skills

Credit Risk ManagementModel DevelopmentClimate Risk AssessmentAi/ml SolutionsRisk AssessmentMachine LearningData Analysis

Other Skills

APIsARIMAAutomationBusiness InsightsCredit AnalysisCure Rate AnalysisData EngineeringData ModelingFeature EngineeringLinear RegressionLoss Given DefaultPython (Programming Language)RNNRecovery ScenariosScenario Analysis

Experience

3 yrs 11 mos

Total Experience

1 yr 6 mos

Average Tenure

1 yr 4 mos

Current Experience

Auronova consulting

2 roles

Senior Risk Analyst

Promoted

Jun 2025 – Present · 11 mos

Project with Emirates NBD (ENBD) | Climate Risk & Generative AI
Partnering with Emirates NBD on a strategic engagement covering climate-risk assessment and advanced AI/ML solutions for sustainable finance
Designing and implementing Gen AI applications in the financial domain to drive automation, enhance decision-making, and create innovative risk-management capabilities.

Model DevelopmentStatistical Data AnalysisData ModelingCredit Risk ManagementCredit AnalysisScikit-Learn+1

Risk Analyst

Jul 2024 – Jun 2025 · 11 mos

Implemented advanced PiT-PD models using Linear Regression, complemented with sensitivity and scenario analyses, ensuring alignment with IFRS 9 standards for forward-looking risk assessment.
Designed and built the B-Score model for the UAE credit card portfolio, combining statistical methodologies with business insights to effectively assess and profile credit risk.
Developed a robust Loss Given Default (LGD) model, leveraging recovery scenarios and cure rate analysis to enhance the accuracy of Expected Credit Loss (ECL) estimations.

Model DevelopmentStatistical Data AnalysisData ModelingCredit Risk ManagementCredit Analysis

Medium

Writer

Jan 2025 – Present · 1 yr 4 mos

I write about how GenAI and ML are reshaping finance — with hands-on, tech-driven articles (no fluff, just real-world use cases).
Check them out:
https://medium.com/@harjapharry3105

Piramal group

Global Emerging Leader

May 2023 – Jul 2023 · 2 mos

Omdena

Machine Learning Engineer

Feb 2023 – Apr 2023 · 2 mos

Monitoring and predicting air quality across 21 stations in Mumbai
Gathered data about pollutants and weather conditions via web scraping and APIs like waqi, openaq etc
Employed preprocessing, feature extraction, & visualization techniques to observe trends and patterns in data
Developed and fine-tuned RNN, ARIMA, and TFT models, achieving a predictive model with 3.93% MAPE
Deployed the model on the cloud using streamlit, and create an interactive dashboard for AQI insights

Machine LearningData AnalysisWeb ScrapingAPIs