Pallav Sahu — Data Scientist

All things Data! My passion lies in uncovering the emerging technical facets and business applications of data science and analytics to drive impactful, data-driven decisions. Over the years, I have honed my skills and capabilities across various credit risk instruments—from traditional credit cards to digital consumer lending, embargo and sanctions transaction monitoring, and climate risk modeling. With extensive experience in credit risk analytics, modeling, and decision-making, I have developed models, underwriting policies, exposure management strategies, and statistical experiments. My technical toolkit includes but is not limited to, SQL, Python, PyTorch, R, Excel, SAS, Tableau, which I have used to deliver informed, data-based decisions throughout my career. Academically, I hold a dual Masters in Data Sciences and Business Analytics from CentraleSupélec and ESSEC Business School, Paris, and a Bachelors in Technology from IIT-BHU, Varanasi. These institutions have played a pivotal role in shaping my analytical and emotional capacities. Outside of work and academics, I am a Formula-One and Football enthusiast, avid traveler, and foodie, always eager to explore new destinations and local cuisines. Please feel free to reach out via direct message or email, if you are interested in my experience or want to discuss exciting opportunities related to data. I am always open to connecting and exploring new prospects!

Stackforce AI infers this person is a Data Science expert specializing in Fintech and Credit Risk Management.

Location: Amsterdam, North Holland, Netherlands

Experience: 4 yrs 8 mos

Skills

Credit Risk Management
Data Science
Natural Language Processing (nlp)
Machine Learning
Decision Sciences
Data Analytics
Risk Analytics
Team Leadership
Event Management
Supply Chain Engineering
Project Management
Mechanical Engineering
Energy Modeling

Career Highlights

Expert in credit risk analytics and modeling.
Proficient in Python, SQL, and machine learning techniques.
Strong background in data-driven decision making.

Work Experience

ABN AMRO Bank N.V.

Data Scientist (2 yrs 4 mos)

Societe Generale

Data Science Intern (5 mos)

Visiting Data Scientist - Corporate Research Project (5 mos)

KreditBee

Analytics Manager - Risk and Data (2 mos)

Senior Analyst - Risk and Data (11 mos)

Ola

Analyst - Decision Science (4 mos)

EXL

Analytics Consultant (Consultant II) (1 yr 4 mos)

Junior Analytics Consultant (Consultant I) (11 mos)

Social Service Council, IIT (BHU), Varanasi

Join General Secretary (11 mos)

Unilever

Unilever Leadership Internship Program - SCM (2 mos)

IIT Mandi

Summer Research Intern (1 mo)

Indian Institute Of Technology(BHU),Varanasi

Undergraduate Research Assistant (4 mos)

Conference On Mechanical Engineering and Technology (COMET) 2016

Core Team Member (4 mos)

Education

Master's degree at ESSEC | CentraleSupélec - Master Data Sciences & Business Analytics

Master's degree at CentraleSupélec

Master's degree at ESSEC Business School

Bachelor of Technology (B.Tech.) at Indian Institute of Technology (Banaras Hindu University), Varanasi

High School at Delhi Public School, Bhilai, Chattisgarh

Pallav Sahu

Data Scientist

Amsterdam, North Holland, Netherlands4 yrs 8 mos experience

Key Highlights

Expert in credit risk analytics and modeling.
Proficient in Python, SQL, and machine learning techniques.
Strong background in data-driven decision making.

Stackforce AI infers this person is a Data Science expert specializing in Fintech and Credit Risk Management.

Contact

Skills

Core Skills

Credit Risk ManagementData ScienceNatural Language Processing (nlp)Machine LearningDecision SciencesData AnalyticsRisk AnalyticsTeam LeadershipEvent ManagementSupply Chain EngineeringProject ManagementMechanical EngineeringEnergy Modeling

Other Skills

Analytics ConsultingBusiness AnalyticsClimate Stress TestingComputational Fluid Dynamics (CFD)Consumer LendingCredit Card AnalyticsCredit Portfolio Stress TestingDatabricksDeep LearningEnergyPlusEnglishExploratory Data AnalysisForecastingGitIndustrial Engineering

About

Experience

4 yrs 8 mos

Total Experience

11 mos

Average Tenure

Current Experience

Abn amro bank n.v.

Data Scientist

Feb 2024 – Present · 2 yrs 4 mos · Amsterdam · On-site

Risk Modelling & Analytics | Climate & Environmental Credit Risk Modelling | IFRS9, Stress Testing & Economic Capital Team

DatabricksPython (Programming Language)PySparkStatistical ModelingCredit Portfolio Stress TestingClimate Stress Testing+5

Societe generale

2 roles

Data Science Intern

Jul 2023 – Dec 2023 · 5 mos · Paris, Île-de-France, France

▪ Internship (Fin d'Etudes Stage) | Data Science Team, Financial Crimes
‐ Developed NLP models for identifying Nationalities from Names to improve Embargo & Sanctions decision-making.
Implemented various Character-level RNNs from scratch using PyTorch to create prediction endpoints.
Created an explainable AI module using local gradient explanations for improving predictive understanding and model transparency.

Exploratory Data AnalysisPySparkPython (Programming Language)PyTorchData ScienceNatural Language Processing (NLP)+1

Visiting Data Scientist - Corporate Research Project

Jan 2023 – Jun 2023 · 5 mos · Paris, Île-de-France, France

▪ Corporate Research Project | Data Science Team, Financial Crimes
‐ Structuring banking transactions using named-entity recognition and neural network models for filtering embargo and sanctions alerts to improve financial crimes compliance

Exploratory Data AnalysisPython (Programming Language)PyTorchData ScienceMachine LearningStatistical Analysis+2

Kreditbee

2 roles

Analytics Manager - Risk and Data

Promoted

Apr 2022 – Jun 2022 · 2 mos · Bangalore Urban, Karnataka, India

▪ Credit Risk Analytics & Digital Lending | Risk Strategy Team
‐ Developed strategies, models, and tests around loan portfolio optimization using alternative data sources for managing the line of credit, risk mitigation, and growth segmentation
Conducted knowledge transfer and training sessions for 3 new colleagues, easing transition to their new roles
Digital Lending | Unsecured Installment Loans | Credit Risk Portfolio optimization | Risk Modeling and Applied Data Science | Cross-functional Teamwork | Leadership

Project ManagementCredit Risk ManagementLendingPython (Programming Language)Microsoft WordStakeholder Management+10

Senior Analyst - Risk and Data

Apr 2021 – Mar 2022 · 11 mos · Bangalore Urban, Karnataka, India

▪ Credit Risk Analytics & Digital Lending | Risk Strategy Team
‐ Developed strategies and credit-risk models for two different high-velocity personal installment loan portfolios mitigating risk, boosting GMV and improving approvals
Digital Lending | Unsecured Installment Loans | Alternative Data | Credit Risk Policy | Risk Modeling and Applied Data Science | Fintech and Financial Inclusion

Credit Risk ManagementLendingPython (Programming Language)Microsoft WordData ScienceMicrosoft Office+10

Ola

Analyst - Decision Science

Dec 2020 – Apr 2021 · 4 mos · Bangalore Urban, Karnataka, India · On-site

▪ Decision Science and Risk Team | Ola Financial Services
‐ Worked on Life Cycle Management Policy (LCM) and Credit Line Increase (CLI) Strategies of Ola Money Postpaid - Risk team (Pay Later product)
‐ Analyzed trends in multiple credit risk metrics and product workflows to monitor GMV and portfolio characteristics
‐ Assisted Behavioral scorecard enhancements for further improvements in risk segregation power and decision-making

Decision SciencesCredit Risk ManagementPython (Programming Language)Data ScienceR (Programming Language)SQL+1

Exl

2 roles

Analytics Consultant (Consultant II)

Promoted

Aug 2019 – Dec 2020 · 1 yr 4 mos

▪ Credit Risk Policy and Strategy Analytics | Risk Policy and Strategy Team
‐ Developed strategies across Risk Underwriting & Exposure management for $15Bn Co-Branded Credit Card portfolio of a Top 5 US Bank
▪ SPOC, Campus Engagement | EXL Campus Engagement Team
‐ Acting as a liaison between the Training & Placement Committee, IIT(BHU) and EXL, to manage overall relations and communications for campus placement sessions

Project ManagementTableauCredit Risk ManagementLendingMicrosoft WordStakeholder Management+15

Junior Analytics Consultant (Consultant I)

Aug 2018 – Jul 2019 · 11 mos

▪ Credit Loss Forecasting Toolkit | Loss Forecasting Team
‐ Developed R-based toolkit capable of forecasting credit losses of $90Bn Average Net Receivables Risk portfolio

Time Series AnalysisLendingMicrosoft WordMicrosoft OfficeData AnalyticsStrategic Data Analysis+9

Social service council, iit (bhu), varanasi

Join General Secretary

May 2017 – Apr 2018 · 11 mos · Varanasi, Uttar Pradesh

‐ Founding member of the first Social Service Council endorsed by the Institute Director and led a 2-tiered team of 4 nascent clubs with 100+ volunteers

Team OrganisationEvent ManagementTeam LeadershipSocial Services

Unilever

Unilever Leadership Internship Program - SCM

May 2017 – Jul 2017 · 2 mos · Unilever Engineering, Mumbai | Doom Dooma, Assam

Led an aspiring assignment to automate and evaluate a critical manufacturing process in HUL's highest gross margin Personal Care Product
Batch Manufacturing Process | Ergonomics improvement | World Class Manufacturing | RM handling Mechanisms | Root-Cause Analysis | Supply Chain Engineering | Project Rhino | Unilever Engineering

Project ManagementIndustrial EngineeringSupply Chain EngineeringMicrosoft WordProcess ImprovementSupply Chain Management

Iit mandi

Summer Research Intern

Jun 2016 – Jul 2016 · 1 mo · Kamand campus, Mandi, Hiamachal Pradesh, India

Green Roof | Energy Modeling | Heat Transfer and HVAC loads | EnergyPlus & Open studio | Solar irradiance | Summer Research

Computational Fluid Dynamics (CFD)Mechanical EngineeringOpenstudioEnergyPlusEnergy Modeling

Indian institute of technology(bhu),varanasi

Undergraduate Research Assistant

Jan 2016 – May 2016 · 4 mos · Central Instrument Facility Centre, IIT (BHU) Varanasi

Particle Image Velocimetry | Stereo-PIV setup | Multi-Phase flows | Computational Fluid Dynamics | Vorticity Plots | Path instabilities and Quiescent medium

Project ManagementComputational Fluid Dynamics (CFD)Mechanical Engineering

Conference on mechanical engineering and technology (comet) 2016

Core Team Member

Oct 2015 – Feb 2016 · 4 mos · Mechanical Engineering Department, IIT (BHU) Varanasi

‐ Responsible for coordinating the Publicity team across C.G., M.P. & U.P. region and increased the footfall to over 500+ attendees.
‐ Organized various conference events: Caliber-De-Enquete (National Level Aptitude Test) and Colloquium (National level Paper Presentation).

Project ManagementEvent Management