Headline

Manager - Data Scientist @ HDFC Bank | Credit Analytics | Risk & Automation

About

I approach data science with sincerity and discipline, believing that consistent, well-governed work creates more impact than clever shortcuts. I work at the intersection of analytics, decision-making, and business strategy, where data is embedded into large-scale decision frameworks rather than remaining a one-time analysis. My focus is on building reliable, explainable, and production-ready analytical solutions across the credit and customer lifecycle. I have hands-on experience across acquisition, campaigns, collections, and valuation (regression modelling), working with data from application, bureau, debit transactions, and credit card behaviour. My work spans feature engineering and feature selection, end-to-end model development, and comprehensive model validation, including stability analysis, population shift checks, performance rating, and recalibration. A significant part of my work involves automation and parameterization to ensure analytical frameworks are scalable, consistent, and usable by business stakeholders in real-world environments.

Location

Mumbai Metropolitan Region

Work experience

Manager - Data Scientist at HDFC Bank, Jun 2023 - Present · 3 yrs, Mumbai Metropolitan Region, Owning model development and validation activities to ensure analytical solutions meet business, risk, and governance standards. Key contributions: • Developed and maintained analytical solutions supporting credit acquisition, marketing campaigns, collections, etc. • Worked with application, bureau, debit transaction, and credit card data to create clean, model-ready datasets and robust monitoring frameworks. • Performed feature engineering and feature selection to improve model stability, explainability, and long-term performance. • Executed end-to-end model development and validation, including stability analysis, population drift checks, performance benchmarking, rating assignment, and periodic recalibration. • Built automation and parameterized pipelines to standardize model execution, validation, and recurring reporting processes. • Collaborated with validation, risk, and business teams to support deployment, monitoring, and ongoing performance tracking. • Prepared model documentation and validation reports aligned with internal governance and regulatory review requirements.

Data Science Intern at HDFC Bank, Dec 2022 - Jun 2023 · 7 mos, On-site, Worked on internal data science tools to improve modelling efficiency and standardization. Key projects: • Smart Select – Feature Selection Pipeline: Built a reusable feature selection pipeline to standardize variable shortlisting across modelling workflows, improving consistency and reducing manual effort in early-stage model development. • Lean Code Automation Framework: Developed an automation framework that generates ~80% of standardized model code based on user inputs, enabling faster development while allowing controlled user-level customization.

Placement Committee Member at Department of Statistics RAMNIRANJAN JHUNJHUNWALA COLLEGE OF ARTS, SCIENCE & COMMERCE (AUTONOMOUS), Jun 2022 - May 2023 · 1 yr, Mumbai, Maharashtra, India

Data Science & Business Analytics intern at The Sparks Foundation, Jul 2021 - Aug 2021 · 2 mos, Remote,  Performed Predictions using Supervised Machine Learning Algorithms.  Extract Insights using Unsupervised Machine Learning Algorithms.  Performed Data Visualization and Data Analysis using various Python Libraries.

Education

Master of Science - MSc, Statistics, Statistics, Ramniranjan Jhunjhunwala College (Autonomous)

Bachelor of Science - BSc, Statistics, Statistics, SIES College of Arts, Science & Commerce SION(W)