Kaushal Jha profile photo 1 on Tal

Kaushal Jha

Data Scientist | Credit Risk & Underwriting | Fintech | ML & GenAI

Gurugram

1+ year of work experience

SaveIN
Feb 20267 mosPresent

Gurugram, Haryana, India

CARS24
Aug 20256 mosJan 2026

Gurugram, Haryana, India

Niva Bupa Health insurance
Jun 20253 mosAug 2025

Gurugram, Haryana, India

Polstrat
Apr 20252 mosMay 2025

Noida, Uttar Pradesh, India

GitHub
@KaushalJha09

Kaushalโ€™s AI Stack

antigravity
antigravity
codex
codex
gemini
gemini
langchain
langchain
openai
openai
claudecode
claudecode

Education

Manipal Academy of Higher Education

๐Œ๐š๐ฌ๐ญ๐ž๐ซ'๐ฌ ๐ˆ๐ง ๐ƒ๐š๐ญ๐š ๐’๐œ๐ข๐ž๐ง๐œ๐ž (๐Œ๐’๐œ), Data Science

Manipal Academy of Higher Education

20222 yrs2024
Guru Gobind Singh Indraprastha University

๐๐š๐œ๐ก๐ž๐ฅ๐จ๐ซ'๐ฌ ๐ˆ๐ง ๐‚๐จ๐ฆ๐ฉ๐ฎ๐ญ๐ž๐ซ ๐€๐ฉ๐ฉ๐ฅ๐ข๐œ๐š๐ญ๐ข๐จ๐ง (๐๐‚๐€), Computer Science

Guru Gobind Singh Indraprastha University

20193 yrs2022

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Headline

Data Scientist | Credit Risk & Underwriting | Fintech | ML & GenAI

About

๐ƒ๐š๐ญ๐š ๐’๐œ๐ข๐ž๐ง๐œ๐ž ๐๐ซ๐จ๐Ÿ๐ž๐ฌ๐ฌ๐ข๐จ๐ง๐š๐ฅ | ๐Œ๐š๐œ๐ก๐ข๐ง๐ž ๐‹๐ž๐š๐ซ๐ง๐ข๐ง๐  ๐’๐ฉ๐ž๐œ๐ข๐š๐ฅ๐ข๐ฌ๐ญ | ๐‚๐ซ๐ž๐๐ข๐ญ ๐‘๐ข๐ฌ๐ค & ๐…๐ข๐ง๐ญ๐ž๐œ๐ก Data Scientist in the NBFC fintech space, working across end-to-end credit risk management. Building and refining underwriting models, actively shaping underwriting strategy, monitoring model performance, and tracking portfolio health. Focused on continuous optimization to enhance credit decisioning and risk-return outcomes. Previously, Iโ€™ve contributed across Fintech, Insurance and consulting spaces migrating legacy systems, building propensity models, and enabling data-driven CRM strategies. ๐Š๐ž๐ฒ ๐’๐ค๐ข๐ฅ๐ฅ๐ฌ & ๐„๐ฑ๐ฉ๐ž๐ซ๐ญ๐ข๐ฌ๐ž ๐‘๐ข๐ฌ๐ค & ๐…๐ข๐ง๐ญ๐ž๐œ๐ก ๐€๐ง๐š๐ฅ๐ฒ๐ญ๐ข๐œ๐ฌ: โฆฟ Credit Risk Scorecards & PD Modeling โฆฟ Underwriting Strategy & Framework โฆฟ Bucket & DPD Strategy & Roll-Rate Analysis โฆฟ Bad Rate & Approval Rate Optimization โฆฟ Portfolio Monitoring โฆฟ Credit Decisioning (Taktile) ๐ƒ๐š๐ญ๐š ๐“๐จ๐จ๐ฅ๐ฌ & ๐“๐ž๐œ๐ก๐ง๐จ๐ฅ๐จ๐ ๐ข๐ž๐ฌ: โฆฟ Python (NumPy, Pandas) โฆฟ SQL (Database Management & Query Optimization) โฆฟ MS Excel (Power Query & Pivot Tables) โฆฟ Databricks, PySpark โฆฟ Snowflake, Snowpark โฆฟ AWS (SageMaker, S3) ๐ƒ๐š๐ญ๐š ๐„๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  & ๐€๐ง๐š๐ฅ๐ฒ๐ญ๐ข๐œ๐ฌ: โฆฟ Exploratory Data Analysis (EDA) โฆฟ Data Cleaning & Preprocessing โฆฟ Data Modelling โฆฟ Web Scraping ๐ƒ๐š๐ญ๐š ๐•๐ข๐ฌ๐ฎ๐š๐ฅ๐ข๐ณ๐š๐ญ๐ข๐จ๐ง: โฆฟ Power BI โฆฟ Matplotlib โฆฟ Seaborn ๐’๐ญ๐š๐ญ๐ข๐ฌ๐ญ๐ข๐œ๐ฌ: โฆฟ Descriptive, Inferential & Predictive Statistics โฆฟ Hypothesis Testing & A/B Testing โฆฟ Cohort Analysis โฆฟ Metrics & KPI Design ๐Œ๐š๐œ๐ก๐ข๐ง๐ž ๐‹๐ž๐š๐ซ๐ง๐ข๐ง๐ : โฆฟ Supervised & Unsupervised Learning โฆฟ Feature Engineering โฆฟ Model Evaluation & Hyperparameter Tuning โฆฟ Model Deployment & Monitoring ๐๐‹๐ & ๐†๐ž๐ง๐€๐ˆ: โฆฟ Prompt Engineering & Context Engineering โฆฟ LLM Evaluation (Ragas, DeepEval) โฆฟ RAG & Advanced RAG โฆฟ Hugging Face, BERTopic & WhisperX โฆฟ LangChain & LangGraph โฆฟ Vector Databases & Embedding Models โฆฟ Fine Tuning (PEFT, LoRA) โฆฟ AI Voice Bot & Agentic AI Systems ๐Œ๐‹๐Ž๐ฉ๐ฌ & ๐๐ซ๐จ๐๐ฎ๐œ๐ญ๐ข๐จ๐ง: โฆฟ FastAPI & Docker for ML โฆฟ LLM Inference Optimization โฆฟ Observability & Tracing (LangSmith, Langfuse) โฆฟ Orchestration โฆฟ LLMOps

Location

Gurugram

AI stack

antigravity

codex

gemini

langchain

openai

claudecode

Work experience

Data Scientist & Risk Management at SaveIN, Feb 2026 - Present ยท 7 mos, Gurugram, Haryana, India

Data Scientist at CARS24, Aug 2025 - Jan 2026 ยท 6 mos, Gurugram, Haryana, India

Data Analyst at Niva Bupa Health insurance, Jun 2025 - Aug 2025 ยท 3 mos, Gurugram, Haryana, India

Data Analyst at Polstrat, Apr 2025 - May 2025 ยท 2 mos, Noida, Uttar Pradesh, India

Education

๐Œ๐š๐ฌ๐ญ๐ž๐ซ'๐ฌ ๐ˆ๐ง ๐ƒ๐š๐ญ๐š ๐’๐œ๐ข๐ž๐ง๐œ๐ž (๐Œ๐’๐œ), Data Science, Manipal Academy of Higher Education

๐๐š๐œ๐ก๐ž๐ฅ๐จ๐ซ'๐ฌ ๐ˆ๐ง ๐‚๐จ๐ฆ๐ฉ๐ฎ๐ญ๐ž๐ซ ๐€๐ฉ๐ฉ๐ฅ๐ข๐œ๐š๐ญ๐ข๐จ๐ง (๐๐‚๐€), Computer Science, Guru Gobind Singh Indraprastha University

Public links

github: https://github.com/KaushalJha09