U

Uma V.

Director of Engineering

San Jose, California, United States26 yrs 4 mos experience
AI ML PractitionerHighly Stable

Key Highlights

  • 20+ years of experience in Data Science and Modeling.
  • Expert in Credit and Fraud Risk Modeling.
  • Proficient in advanced Machine Learning techniques.
Stackforce AI infers this person is a Fintech expert specializing in Data Science and Risk Analytics.

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Skills

Core Skills

Data ScienceMachine LearningFraud StrategyModel Development

Other Skills

Agentic AIAnalyticsBasel IICAP PRCARTCCARComputer VisionConvolutional Neural Networks (CNN)CreditCredit CardsCredit RiskCredit Risk OriginationsDeep LearningEconometric ModelingEconomic Capital Assessment

About

Data Science and Modeling professional with 20 + years' experience in the Financial Services and Retail industry. Experience in Decision Science, Predictive Modeling, Product analytics, Credit Cards Acquisitions, Portfolio Management, Payment Analytics, Fraud Strategy, Data Science, Machine Learning modeling (GenAI, Computer Vision, CART, Random Forests, Boosting, XGboost, Deep Neural Networks, Convolution Neural Networks, Sequence models) for Retail Portfolios. Specializes in Credit and Fraud Risk Modeling/Strategy Development, Machine Learning Modeling, Loss Forecasting, Acquisition and Account Management including Approval Decline Strategies, Credit Line Management, and Segment Profitability Management Specialties: Deep Learning Deep Neural Networks Convolution Neural Networks Sequence Models NLP Machine Learning Predictive Modeling Predictive Analytics Payment Analytics Credit Scoring Fraud Modeling Portfolio Analytics and Oversight Credit Card Lending Mortgage Lending Segmentation Credit Risk Analytics Web Analytics Loss Forecasting Risk Originations Statistical Analysis and Modeling Model Development Risk Underwriting Architecture Design and Implementation Decision Engine Fraud Decision Engine

Experience

Walmart

Director Data Science

Apr 2022Present · 3 yrs 11 mos

Data ScienceGen AIAgentic AIComputer VisionMachine Learning

Wells fargo

Digital Transformation and Fraud Strategy Leader

Sep 2021Mar 2022 · 6 mos

Data ScienceFraud Strategy

Hsbc

4 roles

Director - Retail Modeling & Analytics

Promoted

Apr 2012Aug 2021 · 9 yrs 4 mos

  • Model development using Survival Regression, Logistic Regression, Machine Learning (CART, Random Forests, XGboost, Neural Networks, NLP ) of Retail Portfolios. Modeling of Customer Default, Customer Fraud, Customer Churn, losses, reserves, LIC and balances.
Data ScienceModel Development

Sr. Manager, Credit Policy & Analysis

Jun 2010Apr 2012 · 1 yr 10 mos

Manager, Credit Policy & Analysis

Promoted

Nov 2007May 2010 · 2 yrs 6 mos

Credit Risk Analyst/ Sr./ Lead Credit Risk Analyst

May 2004Nov 2007 · 3 yrs 6 mos

Honda

Quality Engineering

Dec 1997Aug 2002 · 4 yrs 8 mos · Greater Noida, UP, India

  • Supplier quality engineering and improvement of supplier quality management systems. Implementation of ISO 9000 quality management systems.

Education

Massachusetts Institute of Technology

Supply Chain Certificate — Supply Chain Management

Jul 2025Sep 2025

Arizona State University

Master's

Jan 2002Jan 2004

Sardar Patel University

Bachelor's — Engineering

Jan 1992Jan 1996

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