Headline

JP Morgan | CIB Markets | IIT Kharagpur

About

Divyam is a Passionate individual who strives to empower his teams by delivering the highest value with least friction by using best Data Science practices along with experience in Credit Risk, open sharing and contribution. He is a graduate from IIT Kharagpur with a degree of Integrated MSc in Economics with an experience of 5 years in the Credit Risk domain. He is the happiest in code solving problems with the team or solving business challenges so that the models can deliver best outcomes to customers. He also likes to apply technical knowledge across interdisciplinary fields such as Econometric Modelling, Credit Risk, Time Series Analysis, Machine learning & Finance.

Location

Bengaluru

AI stack

antigravity

claude

codex

deepseek

hermes agent

hugging face

Work experience

Associate Vice President at JPMorganChase, Jan 2026 - Present · 8 mos, Mumbai

Associate at JPMorganChase, Mar 2025 - Dec 2025 · 10 mos, Mumbai, Maharashtra, India

Senior Analyst - Consumer Risk at Credit Saison India, May 2024 - Mar 2025 · 11 mos, Bengaluru, Karnataka, India · Hybrid

Analyst - Consumer Risk at Credit Saison India, May 2023 - May 2024 · 1 yr 1 mo, Bengaluru, Karnataka, India · Hybrid

Senior Risk Consultant at EY, Sep 2022 - May 2023 · 9 mos, Bengaluru, Karnataka, India

Associate Risk Consultant at EY, Aug 2020 - Aug 2022 · 2 yrs 1 mo, Bengaluru, Karnataka, India

Data Science | CoDe Analytics at Nokia, May 2019 - Jul 2019 · 3 mos, Gurgaon, India, Project: Network Assessment: Network Level KPI Improvement -Developed a Network KPI Improvment Tool for determining the features which have rendered the KPI's to optimize network performance -Implemented various Graphical Analysis such as Heat Maps and other pre-processing techniques on a single day network data -Formulated a Data Science Tool to list concerned features for variation of PM's over 60 days database using Multivariate Regression Model -Assembled an API & a user friendly interface with Bootstrap 4.0 to generate user intuitive results for feature efficiency

Undergraduate Student at Indian Institute of Technology, Kharagpur, Jul 2015 - Jun 2020 · 5 yrs, Kharagpur Area, India, Major in the Department of HSS enrolled in its Integrated M.Sc. course of Economics with a Micro-specialization in Operations Research at IIT Kharagpur.

Education

Master's degree, Economics, Indian Institute of Technology, Kharagpur