Headline

Senior Data Scientist @Yubi | Banking & Finance | Credit Risk Modeling| IISERB | IIT Mandi | NIT Calicut | Fergusson

About

Senior Data Scientist specializing in credit risk scorecards, fraud detection, and predictive analytics in financial services. Core to my tech stack is PySpark, which I leverage alongside Python and machine learning to build end-to-end Aquisition, Behavioral, and Collection scorecards. My expertise spans processing multi-million record bureau datasets (CIBIL/CRIF), profiling GST, bank statement, and ITR data for corporate lending, and utilizing alternate data to identify early fraud segments within portfolios. I also developed RisQ, a corporate Probability of Default (PD) model powered by open-source data, focusing on high-impact risk strategies and strict PSI drift monitoring. Open to connecting on quantitative modeling, risk strategy, and AI in finance!

Location

Bengaluru

AI stack

cursor

opencode

Work experience

Senior Data Scientist at Accumn, Jan 2025 - Present · 1 yr 8 mos, Bengaluru, Driving end-to-end credit risk and fraud modeling for lending products. Built application, behavioral, and collection scorecards using WoE/IV and Logistic Regression to improve PD estimation. Developed ML models (XGBoost, Random Forest) and validated using KS, Gini, and AUC. Monitored model stability using PSI and performed recalibration to maintain performance. Designed rule-based fraud detection strategies using Decision Trees and contributed to underwriting policy translation into model thresholds and decision frameworks.

Data Scientist at MathLogic, Mar 2024 - Dec 2024 · 10 mos, Gurugram, Worked on credit risk modeling and customer lifecycle analytics for lending clients. Built application and behavioral scorecards and developed churn prediction models using ML techniques. Performed feature engineering on bureau data (CIBIL, CRIF) using WoE/IV and processed large datasets with PySpark. Delivered model validation, benchmarking, and champion-challenger analysis to support data-driven lending decisions.

Education

JRF, Mathematics, Indian Institute of Technology, Mandi

Research Fellow, Mathematical Data Modeling, IISER Bhopal