Headline

Senior Data Scientist | Credit & Fraud Risk Modeling| AI Agents & Agentic Workflows | GCP · MLflow · Python | IIT (ISM) Dhanbad

About

I'm a Senior Data Scientist with 4+ years of enterprise ML experience at American Express, building production-grade risk models that directly influence credit decisioning, fraud detection, and customer lifecycle management — at scale, across millions of transactions. My core strength lies at the intersection of ML and business impact — I've built models for affordability assessment, ability-to-pay scoring, credit line optimization, and fraud pattern detection, working closely with Strategy, Model Risk, and Compliance teams to ensure models are not just accurate but business-aligned and regulatorily sound. Where I'm headed: I'm actively building expertise in AI Agents, Agentic Workflows, and LLM-powered systems — focused on how autonomous AI can transform business intelligence, risk decisioning, and operational efficiency. I believe the next wave of enterprise value won't come from models that predict — but from agents that reason, plan, and act. I'm drawn to roles where deep domain expertise in risk/BFSI meets cutting-edge AI — whether that's agentic fraud detection, LLM-powered credit analysis, or building AI systems from the ground up in new business verticals. Tech Stack: Python · SQL · PySpark · MLflow · SHAP · GCP (BigQuery, Vertex AI) · LangChain (learning) · LLM APIs Open to roles in AI Engineering, Applied AI, or Senior Data Science — across BFSI, Fintech, and beyond.

Location

Bengaluru

AI stack

antigravity

codex

opencode

Work experience

Senior Data Scientist(Consumer Credit Risk) at American Express, Feb 2024 - Present · 2 yrs 7 mos, India, 1. Developed and deployed XGBoost-based credit risk models across 23 international markets, including the UK, Germany, Canada, Australia, and Mexico, for the Customer Management portfolio. Built predictive models to estimate the probability of default for existing American Express card members, enabling data-driven credit line management and portfolio risk optimization. 2. Partnered with cross-functional teams including Risk, Product, Engineering, and Business to translate complex analytical insights into scalable, data-driven credit policies and strategic business decisions, delivering measurable commercial impact. 3. Leveraged Python, SQL, PySpark, and cloud-based data platforms to analyze large-scale customer and transaction data, perform feature engineering, model validation, experimentation, and build production-ready analytical solutions following MLOps best practices.

Data Scientist(Fraud Risk) at American Express, May 2022 - Mar 2024 · 1 yr 11 mos, Gurugram, Haryana, India

Machine Learning Engineer at Quantiphi, Jul 2021 - Apr 2022 · 10 mos, Mumbai, Maharashtra, India, Researched on various AI technologies that can help client in automation and helped them in strategic planning

Education

Bachelor of Technology - BTech, Indian Institute of Technology (Indian School of Mines), Dhanbad