Headline

Data Scientist | Credit Risk & Collection Modelling | Machine Learning • GenAI • RAG • Langraph • Langchain • MLOps • CI/CD • Docker • GitHub Actions | Databricks | MLflow | Docker | FastAPI | Flask |

About

Data Scientist with 5+ years of experience in machine learning and credit risk analytics within NBFC and financial services. Specialized in building predictive models for delinquency, collections optimization, and credit cost estimation, delivering measurable business impact such as reducing delinquency rates and improving recovery efficiency. Hands-on experience in end-to-end ML lifecycle including feature engineering, model validation, deployment, and workflow automation using Python, SQL, PySpark, and Databricks. Recently focused on Generative AI applications, building LLM-powered financial analytics assistants using LangChain, LangGraph, and RAG to enable natural language-driven decision-making for business users. Strong ability to translate complex data into actionable strategies and collaborate across Risk, Finance, and Business teams.

Location

Bengaluru

AI stack

claude

gemini

langchain

langgraph

ollama

openai

Work experience

Data Science Manager at Tata Capital, Jul 2026 - Present · 2 mos, Mumbai

Assistance Manager-Data Science at Tata Capital, Oct 2023 - Jun 2026 · 2 yrs 9 mos, Mumbai

Data Scientist at L&T Financial Services, Apr 2022 - Oct 2023 · 1 yr 7 mos, Mumbai, Maharashtra, India

Trainee Marine Engineer at Anglo-Eastern, Dec 2018 - Jun 2020 · 1 yr 7 mos, Mumbai, Maharashtra, India

Education

Postgraduate Degree, Data Scientist, Praxis Business School

CFD, Skill-Lync

Public links

github: https://github.com/arpitawad04