Headline

DVP, Data Science @ Kotak Mahindra Bank | Credit Risk, Merchant Intelligence & Customer Analytics | Ex-American Express | IIT (ISM) Dhanbad

About

Currently serving as a Data Scientist 3 (DVP) at Kotak Mahindra Bank, I specialize in developing data-driven solutions for credit risk and customer analytics. My work involves building merchant intelligence systems, risk detection models, customer segmentation, and portfolio forecasting to support informed decision-making within financial services. With a B.Tech in Chemical Engineering from IIT (ISM) Dhanbad, my professional journey includes impactful roles at American Express and Capillary Technologies, focusing on risk analytics, anomaly detection, and time series modeling. I am committed to leveraging my expertise in risk analytics and credit card analytics to drive strategic and impactful outcomes in the fintech domain.

Location

Greater Bengaluru Area

AI stack

claude code

claude

gemini

github copilot

claudecode

githubcopilot

Work experience

DVP / Data Scientist 3 at Kotak Mahindra Bank, Apr 2026 - Present · 5 mos, Bengaluru · Hybrid, Leading data science initiatives across credit cards, risk analytics, merchant intelligence, and customer lifecycle management. Key focus areas: • Credit Risk & Early Warning Systems • Transaction Intelligence & Merchant Analytics • Customer Propensity & Behavioral Modeling • Portfolio Analytics & Forecasting

AVP / Data Scientist 2 at Kotak Mahindra Bank, Apr 2024 - Mar 2026 · 2 yrs, Bengaluru · Hybrid, Developing data science solutions for credit risk and customer analytics at Kotak Mahindra Bank. Work includes merchant intelligence systems, risk detection models, behavioral segmentation, and customer lifecycle analytics. Projects span transaction analysis, propensity modeling, and portfolio forecasting. Key Areas: • Merchant intelligence and transaction enrichment systems • Credit risk detection and early warning models • Customer segmentation and propensity modeling • Portfolio analytics and forecasting

Senior Data Scientist at American Express, Sep 2021 - Apr 2024 · 2 yrs 8 mos, Bengaluru, Data Scientist working on risk analytics and model development at American Express. Built anomaly detection and time series modeling solutions to identify risk signals and understand customer payment behavior. Leveraged multi-bureau variables to enhance model performance and strengthen enterprise risk assessment and decisioning. Key Areas: • Anomaly detection and risk identification systems • Time series modelling and behavioural analytics • Multi-bureau feature engineering for risk modelling • Risk assessment and revenue analytics

Machine Learning Engineer at Capillary Technologies, Mar 2021 - Aug 2021 · 6 mos, Bengaluru, Karnataka, India

Data Science at Jalla Labs Pvt. Ltd., May 2020 - Aug 2020 · 4 mos, Bengaluru, Karnataka, India, • Smart Home Image Classification • Web Scraping

Data Science at Ezyhelpers, Feb 2020 - Apr 2020 · 3 mos, Bengaluru, Karnataka, India, • Data Extraction from Aadhar Card (Deep Learning Project) • Web Scraping • Dashboard for Data Analysis (Keyword wise) from the shortlisted portals.

Education

B.Tech, Chemical Engineering, Indian Institute of Technology (Indian School of Mines), Dhanbad

12th, H.P.T. ARTS and R.Y.K. SCIENCE COLLEGE

Public links

github: https://github.com/hritik880