---
title: "Praveen Kumar - Director of Data Science in Delhi | Tal"
description: "Meet Praveen Kumar, Machine Learning and AI | Credit Risk, Lending | IIM Calcutta | Financial Services | Ex Cars24, Browserstack, EXL based in Delhi. AI stack includes claude code, claude, and cursor."
image: "https://tal.club/meet/praveen-kumar-40/share-image"
---

# Praveen Kumar on Tal

## Headline

Machine Learning and AI \| Credit Risk, Lending \| IIM Calcutta \| Financial Services \| Ex Cars24, Browserstack, EXL

## About

At Biz2X, my role as a Data Science Manager involves harnessing complex data to derive actionable insights and drive strategic initiatives\. With an MBA from Indian Institute of Management Calcutta and ongoing advanced studies in Computational Data Science at IISc, I blend academic rigor with industry acumen, focusing on product analytics, predictive modelling and statistical analysis\. My journey in analytics began with distinctions, including the Director's Gold Medal at IISER Kolkata, and has since evolved to include pivotal contributions in business analytics and strategy within the fintech , adtech, saas, e\-commerce sectors\.

## Location

Delhi

## AI stack

claude code

claude

cursor

kiro

mcp

ollama

## Work experience

Director of Data Science at Spartan Capital, Jun 2026 \- Present · 5 mos, Noida

Data Science Manager at Biz2X, Dec 2024 \- Jun 2026 · 1 yr 7 mos, Noida, Alternative Small Business Financing , primarily Merchant Cash Advances \(MCA\) for borrowers in the US\. Credit risk and scorecard development, Credit Risk Analytics, Portfolio Analytics, Deployment, Strategy

Senior Data Scientist at Kapitus, May 2023 \- Dec 2024 · 1 yr 8 mos, Chennai, Alternative Small Business Financing , primarily Merchant Cash Advances \(MCA\) for merchants in the US\. Operating both as a standalone lender and as part of a marketplace

Customer Analytics \- Quantitative Insights at Kapitus, Sep 2022 \- Apr 2023 · 8 mos, Chennai, Tamil Nadu, India

General Manager at CARS24, Feb 2022 \- Aug 2022 · 7 mos, Gurugram, BI and Marketing Analytics Manager for a leading Automotive E\-commerce platform for used Cars

Marketing Lead at BrowserStack, Feb 2021 \- Feb 2022 · 1 yr 1 mo, Led team of 3 analysts centralizing reporting, funnel measurement, and predictive modeling across online/offline channels for a SaaS Unicorn\. Identified friction points in sign\-up to activation journey to improve monetization\. Developed Markov chain\-based multi\-touch attribution for B2B sales across online/offline touchpoints, providing monthly insights to senior leadership for budget optimization\.

## Education

Master of Business Administration, Business Administration and Management, General, Indian Institute of Management, Calcutta

5 yr\. Integrated B\.S\., M\.S\., Indian Institute of Science Education & Research \(IISER\), Kolkata

[View the original profile](https://tal.club/meet/praveen-kumar-40)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/praveen-kumar-40#person",
      "name": "Praveen Kumar",
      "url": "https://tal.club/meet/praveen-kumar-40",
      "image": "https://tal.club/meet/praveen-kumar-40/profile-photo.jpg",
      "description": "Meet Praveen Kumar, Machine Learning and AI | Credit Risk, Lending | IIM Calcutta | Financial Services | Ex Cars24, Browserstack, EXL based in Delhi. AI stack includes claude code, claude, and cursor.",
      "jobTitle": "Director of Data Science",
      "worksFor": {
        "@type": "Organization",
        "name": "Spartan Capital"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Director of Data Science"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Delhi"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "Indian Institute of Management, Calcutta"
        },
        {
          "@type": "EducationalOrganization",
          "name": "Indian Institute of Science Education & Research (IISER), Kolkata"
        }
      ],
      "knowsAbout": [
        "claude code",
        "claude",
        "cursor",
        "kiro",
        "mcp",
        "ollama"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/praveen-kumar-40#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/praveen-kumar-40#webpage",
      "url": "https://tal.club/meet/praveen-kumar-40",
      "name": "Praveen Kumar on Tal",
      "description": "Meet Praveen Kumar, Machine Learning and AI | Credit Risk, Lending | IIM Calcutta | Financial Services | Ex Cars24, Browserstack, EXL based in Delhi. AI stack includes claude code, claude, and cursor.",
      "dateModified": "2026-10-11T11:58:32.431Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/praveen-kumar-40#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/praveen-kumar-40/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/praveen-kumar-40/profile-photo.jpg",
        "caption": "Praveen Kumar profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```