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Ashok Chakravarthy

Data Scientist

Bengaluru, Karnataka, India4 yrs 2 mos experience

Key Highlights

  • Expertise in Credit Risk Management and Analytics.
  • Proficient in developing predictive models for financial assessments.
  • Strong communication skills with a focus on stakeholder collaboration.
Stackforce AI infers this person is a Fintech professional specializing in credit risk analytics and data-driven decision making.

Contact

Skills

Core Skills

Credit Risk ManagementData Analysis

Other Skills

Statistical ModelingModelingProbability And StatisticsData ManagementBig DataRegression AnalysisData VisualisationAzure DatabricksVisualizationStatisticsRisk AnalysisAnalyticsRisk ModelingRisk ModelsModel Validation

About

• 2 years of work experience in Analytics & Decision sciences, providing solutions through strategy building, traditional and ML modelling. • Thorough analytical professional experienced in Retail Credit Scoring, ranging from Application to Behavioural Scorecards across both Secured and Unsecured Products (Credit Cards, Personal Loans) and Marketing & Digital Analytics, Vendor & Team Management etc. Projects : Acquisition & Affluence • Application Score card Development for Credit card , Salaried personal loan, Professional loan using Bureau and Alternate Data • Behaviour score for B2B Business • Income Estimation Model • Customers stability Index using Address, Phone and other demographics. Summary Of Skills: 1. Collaborate with subject matter experts, database administrators, and stakeholders to ensure the accurate collection and analysis of reporting requirements. 2. Interpret data, analyze results using statistical techniques and provide ongoing reports. 3. Develop and implement visualization using Power Bi. 4. Work with management to prioritize business and information needs. 5. Reporting the results back to the relevant members of the business. 6. Possess excellent verbal and written communication skills. 7. Developing queries to pull out data from MY SQL. 8. Quick problem solver with the ability to meet deadlines within the limited time period

Experience

4 yrs 2 mos
Total Experience
1 yr 8 mos
Average Tenure
9 mos
Current Experience

Krazybee

senior Data science

Aug 2025Present · 9 mos · Bengaluru · Remote

Ninjacart

Risk Analytics

May 2024Jul 2025 · 1 yr 2 mos · Bengaluru

Bajaj finserv

2 roles

Senior Unit Manager

Oct 2023May 2024 · 7 mos

  • Behavioral Score Card:
  • To provide insights into B2B customer behavior, aiding effective credit risk assessment .
  • To contribute to a more efficient and streamlined credit risk assessment process for B2B transactions, promoting effective risk management.

Unit Manager

Feb 2022Oct 2023 · 1 yr 8 mos

  • Application Scorecard Development:
  • Enhanced credit risk assessment for cards and loans through Bureau and Alternate Data integration.
  • Behavior Score for B2B Business:
  • Developed a behavior score system optimizing risk evaluation in B2B transactions.
  • Income Estimation Model:
  • Implemented a model for accurate income estimation, refining financial decision-making processes.
  • Customer Stability Index:
  • Utilized address, phone, and demographic data to create an index enhancing customer stability assessment
Statistical ModelingModelingCredit Risk ManagementData Analysis

Defence research and development organisation (drdo)

Summer Intern

May 2019Jul 2019 · 2 mos · Hyderabad, Telangana, India

Education

Indian Institute of Technology (Banaras Hindu University), Varanasi

Bachelor of Technology(BTech) — Electronics Engineering

Jan 2016Jan 2020

Narayana Junior College - India

XII | Board of intermediate Education Andhra Pradesh — Science (PCM)

Jan 2014Jan 2016

DR. K.K.R. GOWTHAM COLLEGE OF EDUCATION

X | Board Of Secondary Education Andhra Pradesh

Jan 2011Jan 2014

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