Headline

Lead Data Scientist at HSBC | Hong Kong ICT Award Winner | Fraud and Money Mules Risk | AI, ML & Analytics | Ex-KPMG | Banking, Insurance, Telecom, Retail & Financial Services

About

Experienced & award winning Data Scientist with 11+ years in analytics, data science and risk. Passionate about solving complex business problems combining innovation with measurable impact. Specializing in fraud detection, money mule detection, AML network detection, payments optimization & customer analytics. Proven track record of building & scaling high impact solutions - including Graph Analytics, Anomaly Detection, and enterprise fraud platforms that have delivered multi-million-dollar business impact and improved customer experience. Skilled at cross-functional collaboration with Technology, Product, Strategy, and Operations, translating complex business problems into AI-powered solutions. Experienced in mentoring talent & leading small high-performing teams; and driving analytics strategies across banking and payments portfolios. With my educational background in statistics and work experience in data science in multiple organizations including at KPMG India, I've gained expertise in AI & Data Science applications across domains such as Non-Life Insurance (Pure Premium Pricing & Loss reserving), Customer Network Analytics ( Telecom & Banking), CRM Analytics (Retail) , Marketing Analytics (Retail, Telecom and Financial Services), and Retirement Industry(401K / DC / DB), which now inform my strategies in the fintech world.

Location

Bengaluru

AI stack

claude

cursor

gemini

github copilot

hugging face

langchain

Work experience

Assistant Director (Data Science) at HSBC, Oct 2025 - Present · 11 mos, Hybrid, 1. Financial Crime / Money Mules 2. Fraud - ATO / Scam Detection in Payments 3. Real time Triggers & Payment Optimization- Feedzai 4. Vendor Model Development & Integration - Threatmetrix I am also driving the model governance requirements for all these models throughout the modelling lifecycle. Notable achievements: In Nov 2025, I & our team have received the prestigious Hong Kong ICT Silver awards for the Graph + ML based solution to catch Mule networks.

Lead Assistant Vice President (Data Science) at HSBC, May 2022 - Sep 2025 · 3 yrs 5 mos, Bengaluru, 1. Financial Crime / Money Mules - Exploration & development of Red flags, typologies, customer networks & NTB Mule Models. 2. Staff Conduct Risk- Development of Risk typologies and Conduct Risk Model. 3. Integrating Gen AI solutions for Operational Efficiency 4. Fraud - Mule Integration 5. Real time Triggers & Payment Optimization- Feedzai 6. Threatmetrix & Biocatch Integration I am also driving the model governance requirements for all these models throughout the modelling lifecycle. Notable achievements: I have been selected as one of the finalists for the first version of HSBC Global Customer Awards 2024 for our Conduct Risk project, which has been highly effective for optimizing the investigation done by the Sales Quality team.

Assistant Manager (Sr. Data Scientist) at KPMG India, Oct 2021 - May 2022 · 8 mos, Bengaluru, Karnataka, India, 1. Store Location Optimization - Catchment Area Scoring Algorithm using ML / Huff Probability 2. Workforce Optimization - Growth/Attrition Drivers 3. Insurance Claims Fraud - Fraud detection using ensemble of distance-based algorithms

Consultant (Data Scientist) at KPMG India, Mar 2019 - Sep 2021 · 2 yrs 7 mos, Bengaluru Area, India, 1. Developing statistical models to calculate Pure Premium Pricing for Auto Insurance 2. Developing statistical models to calculate loss reserves for Auto Insurance 3. Forecasting using ML - Retail Sales 4. Hybrid workforce - Utilization & Employee Satisfaction Optimization

Lead - Business Analytics & Research at Fidelity Investments, Sep 2018 - Mar 2019 · 7 mos, 401K/DC/DB- Operations Analytics - Forecasting, Natural Language Processing

Senior Analyst - Business Analytics & Research at Fidelity Investments, Jan 2018 - Sep 2018 · 9 mos, 401K/DC/DB- Product Lifecycle Analytics, Marketing Analytics- Churn, Customer Segmentation

Analyst - Business Analytics & Research at Fidelity Investments, Sep 2016 - Dec 2017 · 1 yr 4 mos, Bengaluru Area, India, 401K/DC/DB- Product Lifecycle Analytics, Marketing Analytics- Churn, Customer Segmentation

Senior Business Analyst - Analytics & Insights at Tata Consultancy Services, Jan 2016 - Aug 2016 · 8 mos, Kolkata Area, India, Telecom - Churn, Upselling Model

Analyst at Cartesian Consulting, Dec 2014 - Jan 2016 · 1 yr 2 mos, Bengaluru Area, India, 1. CRM Analytics / Loyalty program Analytics - Churn Modelling, Customer Journey Modelling, CLTV, Repeat Customer Modelling

Trainee Analyst at Cartesian Consulting, Jun 2014 - Dec 2014 · 7 mos, Bangalore

Education

Advanced Management Programme in Fintech & Financial Blockchain, Management, Indian Institute of Management, Calcutta

Master of Science (MSc), Statistics, Savitribai Phule Pune University