Divyam Jain

Operations Associate

Bengaluru, Karnataka, India10 yrs 6 mos experience

Key Highlights

5 years of experience in Credit Risk domain.
Expert in Data Science practices and Econometric Modeling.
Proven track record in team collaboration and problem-solving.

Stackforce AI infers this person is a Data Science professional with expertise in Credit Risk and Financial Analytics.

Contact

divyamjaingwa@gmail.com LinkedIn

Skills

Core Skills

Credit Risk ManagementPythonStatisticsRisk ManagementModel DevelopmentRisk AnalyticsEconomicsAnalytical SkillsData ModelingStatistical Concepts

Other Skills

Business StrategyCommunicationCredit AnalysisCredit CardsCredit Portfolio ManagementCredit ReportsCurrent Expected Credit Loss (CECL)Data AnalysisEconometric AnalysisEconometricsInternational Financial Reporting Standards (IFRS)ManagementMicroeconomicsModel ValidationModeling

About

Divyam is a Passionate individual who strives to empower his teams by delivering the highest value with least friction by using best Data Science practices along with experience in Credit Risk, open sharing and contribution. He is a graduate from IIT Kharagpur with a degree of Integrated MSc in Economics with an experience of 5 years in the Credit Risk domain. He is the happiest in code solving problems with the team or solving business challenges so that the models can deliver best outcomes to customers. He also likes to apply technical knowledge across interdisciplinary fields such as Econometric Modelling, Credit Risk, Time Series Analysis, Machine learning & Finance.

Experience

Jpmorganchase

Associate

Mar 2025 – Present · 1 yr · Mumbai, Maharashtra, India

Credit saison india

2 roles

Senior Analyst - Consumer Risk

Promoted

May 2024 – Mar 2025 · 10 mos · Bengaluru, Karnataka, India · Hybrid

Python (Programming Language)Credit Risk ManagementCredit Portfolio ManagementSQLBusiness StrategyPython

Analyst - Consumer Risk

May 2023 – May 2024 · 1 yr · Bengaluru, Karnataka, India · Hybrid

StatisticsEconometric AnalysisQuantitative AnalyticsRisk AnalyticsAnalytical SkillsPython+3

Ey

2 roles

Senior Risk Consultant

Promoted

Sep 2022 – May 2023 · 8 mos

TeamworkInternational Financial Reporting Standards (IFRS)Data AnalysisRisk ManagementModel DevelopmentCredit Analysis+3

Associate Risk Consultant

Aug 2020 – Aug 2022 · 2 yrs

TeamworkCommunicationPython (Programming Language)Quantitative AnalyticsR (Programming Language)Risk Analytics+6

Nokia

Data Science | CoDe Analytics

May 2019 – Jul 2019 · 2 mos · Gurgaon, India

Project: Network Assessment: Network Level KPI Improvement
Developed a Network KPI Improvment Tool for determining the features which have rendered the KPI's to optimize network performance
Implemented various Graphical Analysis such as Heat Maps and other pre-processing techniques on a single day network data
Formulated a Data Science Tool to list concerned features for variation of PM's over 60 days database using Multivariate Regression Model
Assembled an API & a user friendly interface with Bootstrap 4.0 to generate user intuitive results for feature efficiency

TeamworkCommunicationAnalytical SkillsStatistical ConceptsData ModelingEconometrics

American express

Analyze This! - Credit Risk Competition

Sep 2018 – Oct 2018 · 1 mo · IIT Kharagpur

Ranked 40 among 1700 teams across top 7 IITs & DSE, held over the course of one week by AMEX •Imputed & feature engineered the dataset based on distribution & relevance of variables in cases of default
Implemented XGBoost to predict the probability of default on credit and fine-tuned values of eta, max_depth

Statistical ConceptsData Modeling

Chess club iit kharagpur

Governor

Aug 2018 – Apr 2019 · 8 mos

This club organizes workshops and few tournaments throughout the semester.
Formed this club to associate all the chess players in the campus to meet regularly, learn from each other and grow as a team

Zivanta analytics

Data Analyst Competition

Jan 2017 – Feb 2017 · 1 mo

Performed Population Profiling to assess Total Transactions & in turn Total Revenue in each zip code profile wise
Used Market Share Score to calculate firm wise Total Revenue across all the firms through zip codes in California
Devised ETP index and Proximity Index through clustering to metricize Market Share Score for each location

Ministry of human resource development (mhrd)

Economic Analyst

Dec 2016 – Jul 2017 · 7 mos · Nagpur Area, India

Economic Impact Assessment of National Food Security Act ( NFSA)
Coordinator of primary data collection across 10 villages (500+ households) in Maharashtra for detailed analysis
Executed techniques viz. Monte Carlo simulation to reduce uncertainty in the prediction of supply of food grains
Introduced 5-point Likert scale backed by Logistic Regression in determining the preferences of the beneficiary

EconomicsStatistical Concepts

Indian institute of technology, kharagpur

Undergraduate Student

Jul 2015 – Jun 2020 · 4 yrs 11 mos · Kharagpur Area, India

Major in the Department of HSS enrolled in its Integrated M.Sc. course of Economics with a Micro-specialization in Operations Research at IIT Kharagpur.

Analytical SkillsEconomicsStatistical ConceptsEconometrics