---
title: "Sanket Baheti - Data Scientist 2 in Bengaluru | Tal"
description: "Meet Sanket Baheti, Financial Data Scientist | Credit Portfolio Analytics · P&L · ADB · CECL | Databricks · PySpark · SQL | BITS Pilani based in Bengaluru. AI stack includes anthropic apis, claude code, and github copilot."
image: "https://tal.club/meet/sanket-baheti/share-image"
---

# Sanket Baheti on Tal

## Headline

Financial Data Scientist \| Credit Portfolio Analytics · P&L · ADB · CECL \| Databricks · PySpark · SQL \| BITS Pilani

## About

I build financial data infrastructure that drives portfolio decisions at scale\. As a Data Scientist 2 at Bread Financial, I work across a $17B consumer credit portfolio — designing the data products that finance leadership uses to manage P&L, credit loss provisioning, capital allocation, and portfolio performance\. In 24 months I was promoted twice — from intern to Data Scientist 2 — owning the development of: → Account\-level P&L reporting layer used by the CFO and finance leadership in monthly portfolio reviews → Average Daily Balance \(ADB\) framework reconciled to Fiserv, feeding P&L, credit loss, and capital allocation analytics → Life\-of\-loan data pipeline providing CECL credit loss forecasting inputs to the modeling team → Capital allocation analytics identifying loss\-concentrated segments, enabling finance leadership to reallocate promotional spend toward higher risk\-adjusted\-return books → 400\+ variable financial Datamart cutting manual data preparation time by 50% → Automated reporting pipelines compressing monthly financial close from 2 days to a few hours My background sits at the intersection of financial analytics and data engineering — I translate complex credit portfolio economics into governed, scalable data products that non\-technical finance stakeholders can act on directly\. Education: M\.Sc\. Economics & Finance \+ B\.E\. Electronics & Communication Engineering, BITS Pilani \(2024\) Open to roles in PE Portfolio Operations, credit analytics, and financial data architecture\.

## Location

Bengaluru

## AI stack

anthropic apis

claude code

github copilot

hugging face

## Work experience

Data Scientist 2 at Bread Financial, Nov 2025 \- Present · 10 mos, Bengaluru, Karnataka, India · Hybrid, Building and governing financial data products across a $17B consumer credit portfolio used by finance leadership for monthly portfolio decisioning\. Key contributions: → Built account\-level P&L reporting layer used by finance leadership in monthly portfolio reviews — enabling the team to interrogate performance at client, product, and account level → Built capital allocation analytics identifying loss\-concentrated client, product, and account segments — enabling finance leadership to reallocate promotional spend toward higher risk\-adjusted\-return books and reduce exposure to persistently loss\-concentrated cohorts → Compressed monthly financial reporting cycles from 2 days to a few hours by automating P&L and credit loss data pipelines → Reduced manual reporting refresh dependency by 90% through automated and scheduled data pipelines with embedded loss estimation rules and governance checks → Led migration of legacy Power BI and Alteryx workflows to Databricks Dashboards and Lakehouse Apps, reducing dashboard latency by 80%

Data Scientist 1 at Bread Financial, Jun 2024 \- Nov 2025 · 1 yr 6 mos, Bengaluru, Karnataka, India · Hybrid, Built the core financial data foundation for a $17B consumer credit portfolio — designing the governed data infrastructure that enabled P&L, credit loss, and capital allocation analytics at scale\. Key contributions: → Co\-developed the Average Daily Balance \(ADB\) framework from daily transaction logs in collaboration with finance and data engineering teams, reconciling outputs to Fiserv daily balance numbers — feeding P&L, credit loss, and capital allocation analytics across the portfolio → Built the life\-of\-loan data pipeline providing CECL credit loss forecasting inputs to the modeling team — enabling accurate long\-term loss estimation across the portfolio → Engineered a 400\+ variable financial Datamart cutting manual data preparation time by 50% and accelerating credit risk analytics delivery → Built time\-series models for reward point breakage improving financial planning inputs for 10\+ key clients and strengthening forecast traceability for finance stakeholders

Data Science Intern at Bread Financial, Jan 2024 \- Jun 2024 · 6 mos, Bengaluru, Karnataka, India · Hybrid, Built foundational finance data pipelines during a 6\-month internship that led to a full\-time offer and a subsequent promotions\. Key contributions: → Built loan lifecycle tracking pipeline feeding the modeling team's CECL credit loss analysis → Standardized reusable SQL transformation logic for monthly P&L packs, cutting duplicate calculation effort by 40% and improving consistency across finance reporting → Redesigned PySpark ETL pipelines reducing data delivery latency by 98% \(8\.5 hrs → 30 min\), ensuring timely financial dashboard refreshes

## Education

Bachelor of Engineering \- BE, Electrical, Electronic and Communications Engineering Technology/Technician, Birla Institute of Technology and Science, Pilani \- Goa Campus

Master of Science \- MS, Economics, Birla Institute of Technology and Science, Pilani \- Goa Campus

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

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