Souvik Manna

Associate Consultant

Kolkata, West Bengal, India5 yrs 3 mos experience

Key Highlights

Expert in developing credit risk models and scorecards.
Strong analytical skills with a focus on data-driven insights.
Proven track record in fraud detection and risk management.

Stackforce AI infers this person is a Data Scientist specializing in Fintech with a focus on credit risk and fraud analytics.

Contact

Skills

Core Skills

Credit Risk ModelingData Science

Other Skills

Credit risk scorecardsStatistical ModelingSQLBusiness AnalysisR (Programming Language)PL/SQLStatisticsMachine LearningTime Series AnalysisDeep LearningData AnalysisPython (Programming Language)BloggingArticle Writing

About

I am a self-motivated, energetic and ambitious person who has developed a mature and responsible approach to any task that I undertake, or situation that I am presented with. Currently I am working as a Data Scientist and I am familiar with gathering, cleaning and organizing data for use by technical and non-technical personnel. I have Advanced understanding of statistical, algebraic and other analytical techniques. I am Highly organized, motivated and diligent with significant background in Statistics & credit risk.

Experience

5 yrs 3 mos

Total Experience

1 yr 9 mos

Average Tenure

1 yr 9 mos

Current Experience

Exl

Senior Consultant

Aug 2024 – Present · 1 yr 9 mos · Gurugram, Haryana, India · Hybrid

Developed and implemented early-stage payment projection models to analyse customer payment behaviour and predict potential payment risks.
Analysed large datasets to identify trends and patterns in customer payment behaviour, informing portfolio management strategies.
Enhanced portfolio management strategies through data-driven insights, resulting in improved risk assessment and mitigation.
Collaborated with cross-functional teams to integrate payment projection models into existing risk management frameworks.
Presented findings and recommendations to senior stakeholders, driving business decisions and strategy development.

Credit risk scorecardsCredit risk modelingData ScienceStatistical ModelingSQLBusiness Analysis+8

Aditya birla finance limited

Senior Data Scientist

Jan 2022 – Aug 2024 · 2 yrs 7 mos · Mumbai, Maharashtra, India

1. Developed Application Scorecards for CDL, Educational loan,MCA and Digital PL business. Helped to develop new business vertical and provided an end-to-end solutions.
2. Built behavioural scorecards on Retail Base and manage scorecards for 4 different products.
3. Developed retention scorecards for Retail products to manage the business losses.
4. Developed debit banking scorecard with customers' Bank statements.
5. Developed propensity models to understand propensity of cross sell and business losses for upcoming days.
6. Generated Models for fraud analytics team to capture frauds and save losses.
7. Developed bounce scorecards for Retail products.
8. Analysed data sets and helped companies make decisions based on findings. Tracked performance and identified business improvement trends.

Data AnalysisPython (Programming Language)Data ScienceCredit risk modeling

Scienaptic ai

2 roles

Data Scientist

Feb 2021 – Jan 2022 · 11 mos · Bangalore Urban, Karnataka, India

Developed in a fraud detection model to capture $1.4 M fraud using models like autoencoders, Decision tree rules and it was the best bet for eradicating it from the environment and preventing a recurrence.
Working with the technology and data framework used for credit management and tried to improve performance of the models like XG-boost, LightGbm. worked in a model development project where successfully delivered better accuracy.
Built credit solutions and Scorecards to clients to increase approvals and reduce credit losses using advanced ML/AI models by leveraging both traditional and alternate data sources like Bureau.
Managed credit risk through Vintage analysis

Python (Programming Language)Credit risk modelingData Science