Nithin Nethipudi

AI Researcher

Washington, DC, United States10 yrs 11 mos experience

Highly StableAI Enabled

Key Highlights

Expert in credit risk model management and validation.
Proficient in machine learning applications for financial services.
Certified Financial Risk Manager with strong analytical skills.

Stackforce AI infers this person is a Fintech expert specializing in credit risk and machine learning.

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Skills

Core Skills

Machine LearningCredit RiskModel Validation

Other Skills

Data AnalysisGitPythonFraud RiskPricing ModelsForecastingGradient BoostingProblem SolvingPredictive AnalyticsCommunicationStatisticsResearchTechnical WritingFinancial ModelingData Science

About

My primary focus as a Data Scientist at Capital One encompasses credit risk model management, harnessing machine learning to enhance decision-making across credit card, commercial, and retail banking sectors. Our team's efforts in model validation and development, particularly in Gradient Boosting Machines (GBM) and Bayesian Hierarchical Modeling, have contributed to robust risk assessment frameworks. I am a certified Financial Risk Manager (FRM) with expertise in data analytics enhancing machine learning models to optimize business value and manage risk efficiently.

Experience

10 yrs 11 mos

Total Experience

10 yrs 11 mos

Average Tenure

10 yrs 11 mos

Current Experience

Capital one

5 roles

Data Science Manager

Jul 2024 – Present · 1 yr 10 mos

Data Scientist in Model Risk Office
Credit risk ML models for credit card, commercial, and retail bank customers

Data AnalysisCredit RiskGitMachine LearningPython

Principal Data Scientist

Oct 2022 – Jul 2024 · 1 yr 9 mos

Model Validation in Enterprise Risk Management
Credit risk models (GBM models using kubernetes) for credit card customers
Credit risk models (PD, EAD, and LGD) for commercial bank obligors

Model ValidationCredit Risk

Principal Data Scientist

Promoted

Jan 2019 – Oct 2022 · 3 yrs 9 mos

Model Validation in Enterprise Risk Management
Fraud risk models (real-time and batch processing) and pricing models (outlook models and NPV models for budgeting) for retail bank customers
Credit risk models (PD, EAD, and LGD) for commercial bank obligors
Model Development
Bayesian Hierarchical Modeling
GBM Modeling

Model ValidationCredit Risk

Senior Analyst

Promoted

Jan 2017 – Jan 2019 · 2 yrs

Model Validation in Enterprise Risk Management
Credit risk models (PD, EAD, and LGD) for commercial bank obligors
Credit Risk Economic Capital model (uses Moody’s RiskFrontier)
Balance Forecasting model for commercial line of business used for Stress Testing
Tool Development
Automated loss monitoring tool for commercial leveraged loan securitization portfolio in collaboration with Financial Institutions Group

Model ValidationCredit Risk

Analyst

Jun 2015 – Jan 2017 · 1 yr 7 mos

Model Validation in Enterprise Risk Management
Credit risk models (PD, EAD, and LGD) for commercial bank obligors
Tool Development
Automated segmentation tool using gradient boosting trees

Model ValidationCredit Risk

Samsung electronics

Student Trainee

May 2014 – Jul 2014 · 2 mos · Bengaluru Area, India

Worked with System SOC team at Samsung R&D Institute. Developed MPEG TS Analyzer software to extract Audio and Video Elementary Streams from a Transport Stream file following ISO/IEC 13818-1 Standard.