SUMIT YADAV

AI Researcher

Gurugram, Haryana, India3 yrs 4 mos experience

Key Highlights

Expert in credit risk modeling and decision science.
Proven track record in building scalable machine learning systems.
Strong collaboration with senior stakeholders for data-driven strategies.

Stackforce AI infers this person is a Fintech Data Scientist specializing in credit risk and advanced analytics.

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Skills

Core Skills

Credit Risk ManagementData ScienceManagementLeadershipNatural Language Processing (nlp)Web DevelopmentProduct Management

Other Skills

Creative PitchingBig DataNSQL 2B ModelData AnalysisSQLMarketingCausal AnalysisMATLABMachine Learning & Deep LearningProgramming (Java, Python, SQL, C, Matlab)Applied Machine LearningApplied MathematicsArtificial Neural NetworksData Structures & AlgorithmsMacroeconomics

About

I am a Data Scientist specializing in Credit Risk, Bureau Analytics, and Decision Science, with a proven track record of translating complex behavioral data into scalable corporate strategies. From graduating with a B.Tech from IIT Delhi to engineering high-impact machine learning systems in fintech, my focus is on building robust, interpretable models that drive measurable economic value. My expertise spans the entire analytics lifecycle—from feature engineering and look-alike framework development to deploying production-ready machine learning models and post-processing policy layers. I regularly partner with senior stakeholders to replace operational ambiguity with data-driven frameworks that optimize risk discrimination and portfolio economics. Core Technical Stack & Competencies: Machine Learning & Modeling: Gradient Boosted Trees (XGBoost), Sample-Weighting, Box-Cox Transformations, Reject Inference, Look-Alike Modeling. Risk & Bureau Analytics: Dual-Bureau Architectures, Multi-Bureau Vendor Evaluation, File Thickness Frameworks, Underwriting Stratification. I am passionate about designing rigorous, bias-mitigated, and auditable data products that empower financial institutions to scale credit safely. Let's connect to discuss decision science, risk modeling, or advanced machine learning analytics.

Experience

3 yrs 4 mos

Total Experience

Average Tenure

Current Experience

Payu

Associate Data Scientist

Jun 2025 – Present · 1 yr · Gurugram · Hybrid

Building and optimizing customer acquisition models for the Cash Loans segment within the Credit Risk division.
Developing machine learning models for credit risk assessment, underwriting, and lending decision optimization.
Leveraging data science and advanced analytics to improve portfolio quality, customer targeting, and business performance at PayU.

Credit Risk ManagementData Science

Indian air force

- ML Engineering Intern

May 2024 – Jul 2024 · 2 mos · IAF HeadQuarters, New Delhi · On-site

Created a web interface for querying the IAF's database using natural language and SQL, for the IAF AI-Cell UDAAN.
Utilized the NSQL 2B model, integrated features for data visualization, Userchat history, and multi-format export.
Implemented user-friendly HTML/CSS/JavaScript interface for seamless data interactions in air-gapped lab.
Integrated the project with a secure facial recognition and gesture-based login system to enhance user authentication using technologies like OpenCV, MTCNN, and MediaPipe, meeting the IAF’s high security standards.

Big DataNSQL 2B ModelNatural Language Processing (NLP)Data AnalysisWeb DevelopmentSQL