Experience

• 

  National payments corporation of india (npci)

  Jun 2016 - Jul 2018

  Assistant manager-analytics

  - Devloped reports and dashboard in Tableau to analyse and display performance metrics for products and overall business operations

• 

  Finserv markets

  Jul 2018 - Jan 2022

  Manager

  - Devloped a bureau-based income estimation model for salaried customers, enabling pre-approved loan offers and reducing drop-off rates by eliminating the need for income verification documents.- Devloped a propensity model to rank customers based on their likelihood to take personal loan, enabling targeted campaigns focused on high-value prospects- Conducted funnel analysis of the personal loan digital journey to identify factors contributing to customer drop-offs, providing insights that drove process improvements Show less

• 

  Transunion

  Jan 2022 - now

  Consultant- data science & analytics

  - Led the development of liability Scorecard, leveraging customer banking data to assess creditworthiness,impacting 18% of new-to-credit customers.- Collaborated with clients to develop customized risk scorecards for diverse financial Products(PL,HL,LAP,BL etc)- Developed collection scorecards for diverse loan portfolios,predicting customer's likelihood to move between DPD buckets. Leveraged repayment history and bureau information to enable effective collection and recovery strategies tailored to customer segments.- Validated and monitored custom scorecards for long term stability,assessing population and characteristics stability,along with performance metrics like KS,GINI.- Devloped a ML model to evaluate MSME default probability within 12 months using alternative data (Bank Statement,ITR and GST returns) Show less