Amal Jayakumar
Ex-Credit Risk Analyst Intern @ TF Holdings | Data Validation, Fraud Detection, Credit Risk Analysis, Business Intelligence
Bengaluru
1+ year of work experience
Jan 20266 mosJun 2026
Bengaluru, Karnataka, India
1) Analytics Pipeline Automation (SAS, Excel): Automated a legacy bureau data quality pipeline using macro-driven ingestion, transformation, and dynamic schema handling. Built scalable validation workflows for large bureau datasets, reducing runtime by ~70% while improving maintainability and data quality.
2) Risk Score Cut-off Optimization (SAS, Excel): Analyzed bureau credit score distributions to identify optimal marketing cut-offs balancing acquisition efficiency and credit risk. Developed supporting risk metrics to enable data-driven lending and marketing decisions. Further developments simulate underwriting rule-based segmentation and recommendations.
3) Bureau Analytics & Segmentation (SAS, Excel): Analyzed large bureau datasets using enterprise scoring models, underwriting rules, and segmentation frameworks to evaluate customer acquisition performance. Identified high-value customer segments and delivered recommendations to improve campaign targeting and budget allocation.
4) Fraud Analytics Pipeline Engineering (SAS, SQL, Databricks, Excel): Enhanced fraud analytics pipelines by tracking data lineage, consolidating workflows, validating data quality, identifying production defects, and standardizing score segmentation and scalable ingestion processes.
5) Fraud Detection & Machine Learning (Python, Scikit-learn, TensorFlow, LightGBM, SQL, Power BI, Databricks): Built end-to-end fraud analytics solutions by engineering risk features from multiple data sources and developing Autoencoder and Decision Tree models to detect fraudulent applications using behavioral signals. Managed the complete ML lifecycle from data ingestion and feature engineering to model development, evaluation, reporting, and hybrid SAS-Python deployment for scalable fraud monitoring.
6) Analyzed business-as-usual suppression and identified a high-risk customer segment representing about 15% of the population contributing less than 3% of originations, helping strategic decisioning.
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Jul 20256 mosDec 2025
Bengaluru, Karnataka, India
May 20233 mosJul 2023
Goa, India
Amal’s AI Stack
Education
Integrated M.Sc, Physics
BITS Pilani, Hyderabad Campus
20215 yrs2026
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