---
title: "Kaushal Jha - Data Scientist & Risk Management in Gurugram | Tal"
description: "Meet Kaushal Jha, Data Scientist | Credit Risk & Underwriting | Fintech | ML & GenAI based in Gurugram. AI stack includes antigravity, codex, and gemini. Explore public work links including github."
image: "https://tal.club/meet/kaushal-jha/share-image"
---

# Kaushal Jha on Tal

## Headline

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

## About

𝐃𝐚𝐭𝐚 𝐒𝐜𝐢𝐞𝐧𝐜𝐞 𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥 \| 𝐌𝐚𝐜𝐡𝐢𝐧𝐞 𝐋𝐞𝐚𝐫𝐧𝐢𝐧𝐠 𝐒𝐩𝐞𝐜𝐢𝐚𝐥𝐢𝐬𝐭 \| 𝐂𝐫𝐞𝐝𝐢𝐭 𝐑𝐢𝐬𝐤 & 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 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, I’ve contributed across Fintech, Insurance and consulting spaces migrating legacy systems, building propensity models, and enabling data\-driven CRM strategies\. 𝐊𝐞𝐲 𝐒𝐤𝐢𝐥𝐥𝐬 & 𝐄𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞 𝐑𝐢𝐬𝐤 & 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 𝐀𝐧𝐚𝐥𝐲𝐭𝐢𝐜𝐬: ⦿ Credit Risk Scorecards & PD Modeling ⦿ Underwriting Strategy & Framework ⦿ Bucket & DPD Strategy & Roll\-Rate Analysis ⦿ Bad Rate & Approval Rate Optimization ⦿ Portfolio Monitoring ⦿ Credit Decisioning \(Taktile\) 𝐃𝐚𝐭𝐚 𝐓𝐨𝐨𝐥𝐬 & 𝐓𝐞𝐜𝐡𝐧𝐨𝐥𝐨𝐠𝐢𝐞𝐬: ⦿ Python \(NumPy, Pandas\) ⦿ SQL \(Database Management & Query Optimization\) ⦿ MS Excel \(Power Query & Pivot Tables\) ⦿ Databricks, PySpark ⦿ Snowflake, Snowpark ⦿ AWS \(SageMaker, S3\) 𝐃𝐚𝐭𝐚 𝐄𝐧𝐠𝐢𝐧𝐞𝐞𝐫𝐢𝐧𝐠 & 𝐀𝐧𝐚𝐥𝐲𝐭𝐢𝐜𝐬: ⦿ Exploratory Data Analysis \(EDA\) ⦿ Data Cleaning & Preprocessing ⦿ Data Modelling ⦿ Web Scraping 𝐃𝐚𝐭𝐚 𝐕𝐢𝐬𝐮𝐚𝐥𝐢𝐳𝐚𝐭𝐢𝐨𝐧: ⦿ Power BI ⦿ Matplotlib ⦿ Seaborn 𝐒𝐭𝐚𝐭𝐢𝐬𝐭𝐢𝐜𝐬: ⦿ Descriptive, Inferential & Predictive Statistics ⦿ Hypothesis Testing & A/B Testing ⦿ Cohort Analysis ⦿ Metrics & KPI Design 𝐌𝐚𝐜𝐡𝐢𝐧𝐞 𝐋𝐞𝐚𝐫𝐧𝐢𝐧𝐠: ⦿ Supervised & Unsupervised Learning ⦿ Feature Engineering ⦿ Model Evaluation & Hyperparameter Tuning ⦿ Model Deployment & Monitoring 𝐍𝐋𝐏 & 𝐆𝐞𝐧𝐀𝐈: ⦿ Prompt Engineering & Context Engineering ⦿ LLM Evaluation \(Ragas, DeepEval\) ⦿ RAG & Advanced RAG ⦿ Hugging Face, BERTopic & WhisperX ⦿ LangChain & LangGraph ⦿ Vector Databases & Embedding Models ⦿ Fine Tuning \(PEFT, LoRA\) ⦿ AI Voice Bot & Agentic AI Systems 𝐌𝐋𝐎𝐩𝐬 & 𝐏𝐫𝐨𝐝𝐮𝐜𝐭𝐢𝐨𝐧: ⦿ FastAPI & Docker for ML ⦿ LLM Inference Optimization ⦿ Observability & Tracing \(LangSmith, Langfuse\) ⦿ Orchestration ⦿ LLMOps

## Location

Gurugram

## AI stack

antigravity

codex

gemini

langchain

openai

claudecode

## Work experience

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

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

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

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

## Education

𝐌𝐚𝐬𝐭𝐞𝐫'𝐬 𝐈𝐧 𝐃𝐚𝐭𝐚 𝐒𝐜𝐢𝐞𝐧𝐜𝐞 \(𝐌𝐒𝐜\), Data Science, Manipal Academy of Higher Education

𝐁𝐚𝐜𝐡𝐞𝐥𝐨𝐫'𝐬 𝐈𝐧 𝐂𝐨𝐦𝐩𝐮𝐭𝐞𝐫 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧 \(𝐁𝐂𝐀\), Computer Science, Guru Gobind Singh Indraprastha University

## Public links

- github: https://github\.com/KaushalJha09

[View the original profile](https://tal.club/meet/kaushal-jha)

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