---
title: "Tanmay Roy - Data Science | BFSI & Insurance Risk Analytics | Python, SQL, Machine Learning, XGBoost in West Bengal | Tal"
description: "Meet Tanmay Roy, Data Science | BFSI & Insurance Risk Analytics | Python, SQL, Machine Learning, XGBoost based in West Bengal."
image: "https://tal.club/meet/tanmay-roy/share-image"
---

# Tanmay Roy on Tal

## Headline

Data Science \| BFSI & Insurance Risk Analytics \| Python, SQL, Machine Learning, XGBoost

## About

I spent 4 years after my physics degree preparing for government jobs\. It didn't work out\. I started learning machine learning as a plan B\. Somewhere along the way, it stopped feeling like a backup and started feeling like the thing I actually want to do\. Physics gave me a way of thinking\. Break the problem down, find the underlying structure, don't trust the answer until you understand why it's true\. That same instinct is what drew me deeper into ML\. I don't just want to use the tools\. I want to know how they work\. That's shown up clearly in the two projects I've built\. For a health insurance premium prediction system, I didn't just fit one model and call it done\. I segmented by age group and matched the right model to each \(Linear Regression for younger applicants, XGBoost for older ones\), then deployed the whole pipeline as a live Streamlit app so it's actually usable, not just a notebook demo\. For a credit risk project, I worked through the full pipeline end\-to\-end, handling class imbalance with SMOTE\-Tomek, tuning with Optuna, and evaluating with the metrics risk teams actually care about: AUC\-ROC, KS, and Gini\. Along the way, I've picked up a lot beyond just building models\. How to actually evaluate a model the way a risk team would, not just by accuracy, and why the "right" technique often depends on the problem, not just what's popular\. I'm actively building toward a career in Data Science and Machine Learning in banking, fintech, and insurance, where uncertainty, decision\-making, and data intersect in ways I find genuinely interesting\. Open to junior data science and analytics roles\. Always happy to connect with others on a similar path\. Skills: Python \| SQL \| Machine Learning \| Scikit\-learn \| XGBoost \| Libraries\( Pandas , NumPy, Matplotlib, Seaborn\) \| Streamlit \| Git & GitHub \| Statistics \| Data Analysis

## Location

West Bengal

## Education

Bachelor of Science, Physics, Raiganj University

12th pass, Science, Itahar high school

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

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