Mar 2023 – Oct 2024 · 1 yr 7 mos · On-site

• Developed acquisition risk model integrating bureau, banking, and SMS data for both long and small tenure loans, incorporated reject inference, resulting in a 12% increase in lending.
• Improved credit risk model AUC from 0.68 to 0.71 by incorporating SMS features on top of the bureau-only model.
• Built behavior risk model incorporating bureau, repayment & installment behavior, increasing approved base by ~40%.

May 2020 – Present · 6 yrs 1 mo · On-site

• Built acquisition risk models using payment gateway data, CIBIL bureau, merchant eligibility calls, and user network/graph features and achieved a pre-approved base of ~50M users. Deployed using Docker.
• Developed behavior risk model to enable real-time credit limit adjustments, resulting in a 17% reduction in $ losses.
• Created a predictive model for loan approval, improving x-sell with ~60% approval rate in the top 30%.
• Built collection model predicting to repayment, enhancing user experience and minimizing collection efforts.
• Implemented salary estimation, selfie image & banking statement deduplication using ChromaDB for fraud prevention.

Apr 2018 – May 2020 · 2 yrs 1 mo · Mumbai Area, India

• Training CRNN, RNN models for HWR and deploying for different category of text prediction
• Handwritten prescription transcription using alignment and CNN classification algorithm
• Using RCNN with transfer learning for detecting different data categories present in a prescription
• Clustering large data set of images using K-Mean algorithm with pySpark
• Developed algorithm for segmentation of sequence data and finding all instances with one instance
• Building tool for visualisation and editing data for better insight of data

Jul 2017 – Apr 2018 · 9 mos · Mumbai Area, India

• Developing applications using Spring, Core Java, and JSP for online lending platform
• Implementing responsive and user-friendly web page using AngularJS, jQuery, Bootstrap
• Preparing Unit test case using JUnit and Log4j
• Designed and developed server to client commination system for sending push notification to user
• Developed web application for converting a xml to Excel given an excel template

May 2016 – Jul 2016 · 2 mos · Mumbai Area, India

• Led the technical team entrusted with product development at Mia Mia (hyperlocal service marketplace)
• 1)Modernized the search engine by upgrading to Elastisearch, resulting in reduction of data search time by 300%
• 2) Constructed scalable back-end and front-end solutions utilizing Sails.JS (Node JS framework), React and Redux
• 3) Reformed architectural framework of the database in MySQL server; ensuing enhanced capacity of database
• 4) Authenticated users through Passport and authorized with JSON Web Token to access routes, services & resources
• 5) Advanced the server hosting by upgrading to cloud based server(Azure); increased accessibility & future scaling
• Received Letter of Recommendation from Chief Executive Officer and founder

Dec 2015 – Jan 2016 · 1 mo · Mumbai Area, India

• Developed an android application to display the nearby services and events accessible to the user
• 1)Led SDLC (Software Development Life Cycle) for proper development, testing and deployment of android app
• 2) Personalized the app adding user profile; Improved usability by adding search & corresponding response in UI
• 3) Designed interface for users to incentivize referrals & claim free coupons; added feature to promote free services
• 4) Integrated Facebook, Google Play services, maps API V2 and other open source libraries within applications

May 2015 – Jul 2015 · 2 mos

• Optimized application code, implemented new features and fixed bugs in the app (India’s largest ethnic store)
• 1) Incorporated PayU (a payment gateway ), Google Cloud Messaging(GCM) and Google Analytics within platform
• 2) Devised a notification sending portal using PHP; web service for storing user profile and registration token
• 3) Operated and gained proficiency in android libraries such as Crashlytics, Sugar, Volley, Retrofit & Timber etc.