Manoj Kumar

Director of Engineering

Mumbai, Maharashtra, India18 yrs 9 mos experience

AI ML PractitionerAI Enabled

Key Highlights

Pioneered Rent Credit Score for financial inclusion.
Expert in credit risk and regulatory analytics.
Led data-driven innovations in financial services.

Stackforce AI infers this person is a Fintech expert specializing in credit risk analytics and data-driven product innovation.

Contact

manojkumarp@gmail.com LinkedIn

Skills

Core Skills

Data ScienceProduct Strategy & DevelopmentCredit Risk ManagementPredictive ModelingRegulatory AnalyticsModel GovernancePredictive Analytics

Other Skills

Data VisualizationMicrosoft Power BIAmazon Web Services (AWS)Python (Programming Language)Microsoft AzureMicrosoft Azure Machine LearningAzure SQLGenerative AI for ManagementArtificial Intelligence for BusinessData ArchitectureMobile ApplicationsMobile Application DevelopmentFinancial AccountingTechnology Vision & RoadmapInnovation Leadership

About

As the Director of Data Science at RentenPe, I lead innovation by harnessing data-driven analytics to develop transformative solutions in financial services, enhancing decision-making, improving customer experiences, and driving business growth. I pioneered the Rent Credit Score, a groundbreaking product that enables tenants to build their credit profiles through timely rent payments, promoting financial inclusion. With deep expertise in analytics, data strategy, and product innovation, I excel at redefining credit models to be more inclusive, scalable, and customer-centric. My passion for solving complex challenges through data fuels my commitment to creating impactful solutions that optimize customer acquisition, operational efficiency, and business growth.

Experience

18 yrs 9 mos

Total Experience

2 yrs 9 mos

Average Tenure

1 yr 9 mos

Current Experience

Rentenpe

Director - Data Science

Aug 2024 – Present · 1 yr 9 mos · Mumbai, Maharashtra, India · On-site

Data VisualizationMicrosoft Power BIAmazon Web Services (AWS)Python (Programming Language)Microsoft AzureMicrosoft Azure Machine Learning+23

Experian asia pacific

Senior Analytics Consultant - Decision Analytics, APAC & EMEA

Jun 2020 – May 2024 · 3 yrs 11 mos · Kuala Lumpur, Federal Territory of Kuala Lumpur, Malaysia

Multiple model development, validation & monitoring projects in a number of different portfolios like Credit Cards, Mortgages, Personal Financing, Retail Consumer Financing and SME’s loans.
Utilizing advanced statistical and machine learning models to assess credit risk, improving underwriting processes, and enhancing decision-making.
Validating and developing Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) models, optimizing risk management strategies.
Leveraged extensive datasets, including bureau information, to extract insights, identifying trends, and building predictive models for evaluating credit risk.

Decision TreesSAS/SQLScorecard ManagementModel ValidationPredictive ModelingPD/EAD/LGD+22

Hsbc

2 roles

Lead Manager

Dec 2017 – May 2020 · 2 yrs 5 mos

Led analytics team in developing bank-specific credit risk models globally, covering model management, governance, and regulatory analytics.
Played a key role within the regulatory modeling and validation team, tasked with validating and monitoring a range of Basel models across APAC and US regions.
Development, Validation, Deployment, Governance & On-going Monitoring of Retail Credit Risk Scorecards and Basel (PD, LGD & EAD) models.
Initiated continuous improvement initiatives to enhance model validation processes, increase efficiency, and strengthen the overall effectiveness of the analytics team.
Managed relationships with stakeholders, fostering collaboration and trust to ensure successful implementation of model validation strategies and initiatives.

Decision TreesSAS/SQLScorecard ManagementModel ValidationRegulatory CompliancePredictive Modeling+23

Manager

Jun 2015 – Nov 2017 · 2 yrs 5 mos

Credit risk modeling, model Governance and Regulatory analytics for global Geographies.
On-going Validation of Retail Credit Risk models and Basel II (PD, LGD, EAD) Models.
Identify and re-mediate inconsistencies in the performance data and key performance metrics to improve model performance (stability, discriminatory, risk ranking, calibration)

Decision TreesSAS/SQLScorecard ManagementModel ValidationRegulatory CompliancePredictive Modeling+22

Exl decision analytics (inductis)

Lead Asst. Manager - Decision Analytics

May 2012 – May 2015 · 3 yrs · Gurgaon, India

Successfully managed a diverse range of short and long-term projects focused on acquisition tactics, predictive modeling, validation, and model maintenance for clients globally.
Facilitated cross-functional collaboration to analyze data, uncover trends, and provide data-driven recommendations for strategic business enhancement.
Data merging, data cleaning, exploratory analysis, Segmentation & Profiling, Predictive Modeling & Validation, Model Management.
Collaborated with business partners to ensure the models are aligned with business needs.
Collaborated with cross-functional teams to gather and analyze data, identify trends and patterns, and make data-driven recommendations.

Decision TreesSAS/SQLScorecard ManagementModel ValidationRegulatory CompliancePredictive Modeling+20