Apr 2025 – Nov 2025 · 7 mos · On-site

• Devising strategy for Early Warning Signals to mitigate credit and fraud risk
• STP base identification in Self Employed profiles
• Revamping credit policy to accommodate Loan Against Car, ReFinance and Top Up products
• Risk model validation and bureau variable creation for offer stamping
• Co-lending model Loss forecasting
• Bureau scrub features building and Funnel evaluation
• Current Expected Credit Loss estimation
• Risk Strategy for lending products in pipeline

Nov 2023 – Jun 2025 · 1 yr 7 mos · On-site

• Credit Risk Policy and Portfolio Analytics for Sale Purchase, Loan Against Car, BT Top Up portfolio in Used Car Lending
• Adept at SQL, Tableau and Python, responsible for Risk KPI reporting
• ECL and Cost of Default calculation
• Adhering to IFRS9 framework, calculated PD, EAD and LGD of Used Car Lending Portfolio to arrive at ECL numbers
• Owning the Valuation model of Used Cars
• Setting up LRS and AOP frame for strategy execution

Jul 2022 – Oct 2023 · 1 yr 3 mos · Noida

• Currently implementing quarterly approval and reject inferencing based on Bureau data for
• competition benchmarking, which is leading to the ongoing identification of policy tweaks
• that improve loan approval rates by 2% and decrease default rates by 1%.
• Continuously conducting daily fail checks and implementing proactive policy updates for
• the Business Rule Engine of the Merchant Cash Advance lending product, resulting in a
• consistent reduction of loan disbursement errors by 5%
• Actively developing and implementing a comprehensive policy for industry-first Merchant
• Limit Enhancement, resulting in ongoing improvements in eligibility for merchant
• transactions and a reduction of over 40 hours of manual work per week
• Coordinating and executing a comprehensive project plan to migrate transaction limits for approximately 30 million merchants, ensuring strict compliance with RBI and NPCI frameworks, and minimizing risk exposure
• Currently assessing the credit risk of over 50 merchant entities across various Pan-India locations for Paytm Deals & GV
• Collaborating with Business QR, EDC, and Enterprise teams to establish a comprehensive Enterprise Risk Framework with Fintech industry-first merchant transaction limit capping. Currently in the process of migrating around 30 million merchants from PG1.0 to PG2.0
• Actively creating daily, weekly, and monthly dashboards and automating them using in-house tools, managed data pipeline management, and executing ETL processes using PostgreSQL, Python, and PySpark on AWS S3
• Continuously deploying more than 30 live rules for fraud detection in Merchant Transactions based on GMV, location, and Card Usage patterns
• Managing the transaction limit portfolio of Paytm Soundbox QR and EDC merchants in coordination with Risk Ops

Jul 2020 – Aug 2020 · 1 mo

• Developed a full-stack project centered around a decentralized marketplace for shops, producing over 30 code modules in ReactJS
• Designed robust back-end systems, utilizing technologies like Redis, Docker, and AWS on the PERN stack
• Worked closely with cross-functional teams to conceive and create user-friendly software interfaces using Figma, streamlining the design-to-development workflow and guaranteeing a consistently pixel-perfect UI/UX

Jun 2018 – Mar 2020 · 1 yr 9 mos · Kolkata, West Bengal, India · On-site

• Played a key role as part of the Business Intelligence team for a UK retail client with revenue exceeding 15 billion GBP. My responsibilities included the development, testing, and maintenance of dashboards created using BI tools such as QlikView and QlikSense, with a GCP back-end
• Delivered regular reports on the business health of approximately 500 retail stores to CXOs, achieving a significant reduction in the incident queue by 150% year over year through the efficient optimization of code
• Actively contributed to Agile/Scrum teams, ensuring the on-time and on-budget delivery of features through effective collaboration and teamwork
• Designed a Python Code Evaluator, which was subsequently adopted by TCS Innovation Labs. This initiative received an appreciation certificate from my mentor for its impact and innovation