Headline

Fraud Risk Data Scientist| Paypal |Payments| Ex-HDFC Bank| Credit Risk, Fraud Analytics, Machine Learning| | IIT Madras Posting my data content on Instagram - data.talksdaily

About

Data Scientist specializing in Fraud Risk, Credit Risk, and Machine Learning, with experience driving data-led decision-making across fintech, banking, and digital payments. My work spans fraud detection, risk modeling, customer segmentation, underwriting strategy, and portfolio analytics, partnering with business, product, and engineering teams to solve complex problems at scale. I have built predictive models, developed risk frameworks, and translated data into measurable business outcomes across the customer lifecycle. With a strong foundation in analytics and experimentation, I am particularly interested in applying Machine Learning and AI to fraud prevention, risk assessment, and growth optimization. Passionate about combining domain expertise, data science, and technology to build scalable solutions that create business impact.

Location

Bengaluru

AI stack

claude

codex

gemini

kimi

langgraph

openai

Work experience

Fraud Risk Data Scientist at PayPal, Sep 2025 - Present · 1 yr, Bengaluru, I work as a part of Account Takeover (ATO) team focusing on - managing login alerts, developing and refining fingerprinting methods and designing fraud control strategies

Data Scientist at Credit Saison India, Jun 2025 - Sep 2025 · 4 mos, Bengaluru, Karnataka, India

Credit Risk Analyst at HDFC Bank, Jun 2023 - Jun 2025 · 2 yrs 1 mo, Mumbai, Maharashtra, India, Managing & Optimizing the HDFC Co-brand Credit Card Portfolio -Enabled portfolio growth & risk mitigation by engaging in Data Room Exercise with cobrand partners, implementing auto-decline rules, and encoding policy strategies in BRE for targeted segment reintroduction. -Enhanced approval rates by collaboratively developing the Gen2 Credit Risk XGBoost model for a holistic range of TATA brands addressing brand-specific nuances using transactional-level features -Reduced rejection rates through IPA-level Bureau Curing, leveraging a Random Forest Regression model optimized for negative MSE. -Optimized credit limit assignment by constructing an Affluence Scorecard, aligning normalization logic with bureau performance for risk-adjusted portfolio enhancement. -Automated APS reporting across PayTM, TATA & Swiggy ecosystems via Pentaho API jobs & PowerBI DAX queries, reducing manual effort by 60%. -Increased digital approvals by formulating an STP framework that bypasses underwriting, enabling banks to offer seamless digital credit approvals. -Collaborated with cross-functional teams (Business, Policy, Underwriting, BRE, and Fraud) to deliver data-driven solutions and ensure seamless execution of risk strategies.

Business Analyst at KPMG India, Aug 2022 - Sep 2022 · 2 mos, Data Analysis, data driven decision making leveraged using Business Intelligence tools

Undergraduate Joint Secretary at ChemPlus, IIT Madras, Dec 2021 - Jul 2022 · 8 mos

Education

Bachelor's degree, Chemical Engineering, Indian Institute of Technology, Madras

intermediate, Narayana Junior College , Nallakunta