Apr 2022 – Aug 2022 · 4 mos

• Credit Underwriting of Paytm’s Consumer and Merchant Lending Products. Worked closely with Product, Risk, and Engineering teams to define requirements, plan project deliverables and ensure timely execution.
• Personal Loan Acquisition Model Using In-house Engagement Data
• Customer Physical Verification Waiver Strategy for Merchant Loans

Dec 2020 – Mar 2022 · 1 yr 3 mos

• Paytm’s BNPL (PostPaid) Acquisition Model for New To Credit(NTC) Customers
• Income Estimation Framework Using Bureau Report

Jul 2018 – Dec 2020 · 2 yrs 5 mos · Indore Area, India

• Designing risk strategies and data products for US Based Mortgage Industry focusing on investments in, management of, and servicing of residential whole loans and servicing rights.
• Developing ML based tailored asset management solutions for investors to achieve targeted ROI through servicing of loans.
• Working on to create a industry agnostic analytical platform for providing end to end data analytics functionalities coupled with ML based solutions.
• Leading the Data Science Team to come up with innovative solutions like
• (i) Auto tuned Risk models for reducing credit exposure to high risk owners
• (ii) NLIDB Interface that could convert English Language based user queries to executable DBMS
• machine language
• (iii) One stop solution to find hidden data insights on raw data using widely known Statistical
• Tests and Data Transformations,
• (iv) Automated Document Recognition & entity extraction(NER) etc.

Nov 2017 – Jul 2018 · 8 mos · Gurgaon, India

• Worked on Credit and Risk Management of Indian Commercial Portfolio. Worked diligently on Risk Policy, Existing Customer Management, Portfolio Management and Collections Strategy.
• Automated existing portfolio tracking system, sharing key insights on portfolio health with leadership and ensuring prompt actions on large corporate facing financial stress.
• Developed a probabilistic score that measures the likelihood that a company has been fudging its books basis trend of metrics from Balance Sheet, Income Statement and Cash Flow Statement.

May 2016 – Oct 2017 · 1 yr 5 mos · Gurgaon, India

• Operational Risk Management for one of the largest top five banks in US
• Successfully solved one of the largest controls issues within target completion date impacting more than 6000 customers involving financial, internal delinquency and credit bureau remediation
• Worked closely with the cross-functional teams – Legal & Compliance, Consumer Business and Operational Risk Control Team to close the issue, remediating historical impacts and closing the gaps within new capabilities to eliminate such occurrences

Jul 2015 – Apr 2016 · 9 mos

• Promotional Response Modelling of TV Campaign for blockbuster drug and measuring the effectiveness using Test-Control(A/B) Testing (Sep’15 – Dec’15)
• Provided analytics-based recommendations to a US based pharmaceutical giant, optimising Media and Advertising mix investments to support strategic planning
• Processed data using Advertising Adstock transformation to capture nonlinear and lagged effect based on business information
• Developed and validated a Multivariate Linear Regression model in SAS to determine ROI of different promotional channels (TV campaign, Digital Ad conversions, Detailing) using 80% - 20% sample split
• Formulated campaign measurement framework to quantify the impact of heavy up TV advertisements using Test-Control
• Sales Force Sizing for a yet to be a launched drug using feature extraction (Jan’16-Apr’16)
• Identified potential targets(HCPs) based on 7 years of pharmacy level APLD (Anonymous Patient Level Data, ~ 800-900 Gb) data
• Used Amazon Web Service (AWS) Redshift and cloud-based ETL Tool Matillion (AWS SQL Server - EC2) for segmentation

May 2013 – Jul 2013 · 2 mos · Pune, India

• Analysing working of SAPL Cement Plant and Construction of Steel Plant, Sona Alloys Private Limited, Pune (May’13-July’13)
• Assisted project manager and site engineers in execution for construction of steel mill having estimated cost of INR 90 crores
• Collaborated with team of 3 designers and Architects to model and analyse steel plant using STAAD-PRO
• Scrutinised working of Cement Plant with 1000 tonne /day capacity and studied principle involved in manufacturing of cement
• Worked in Quality Control and conducted tests to ensure that quality of cement conforms to standards
• Proposed use of GGBS, a byproduct produced while iron extraction, as an ingredient in cement manufacturing and got it implemented

Aug 2012 – May 2013 · 9 mos · Kanpur Area, India

• Contacted over 350 companies for placements and interns of 108 students in Civil Engineering department
• Organised preparation events like mock group discussion’s, interviews and aptitude tests to augment skills of students
• Negotiated in opening non core companies for the department with a 10% Y-O-Y increase