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Data Science with 9+ years in Data Analytics, Machine Learning & Credit Risk Modeling
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Data Analytics professional skilled in SQL, Python, Power BI, Machine Learning, and Statistical Analysis. Experienced in data analysis, risk assessment, predictive modeling, and dashboarding. Backed by 9+ years in banking with expertise in credit risk, compliance, due diligence, and portfolio management.
Manipal Academy of Higher Education
MBA · Data Science
August 1, 2023 – June 30, 2025
University of Pune
B.E · Computer Science
August 1, 2007 – June 30, 2012
AtliQ Technologies
Data Science Intern (Internship)
April 1, 2026 – May 1, 2026
India
Bank of Maharashtra
Credit Officer/Manager (Full-Time)
October 1, 2014 – August 1, 2024
India
Health Prediction Application
June 1, 2026 – June 1, 2026
Developed a full-stack healthcare analytics application enabling CRUD operations for patient records. Built RESTful APIs using FastAPI for backend data processing and database interactions. Integrated a machine learning model to predict health risks based on Glucose, Haemoglobin, and Cholesterol levels. Implemented data validation, persistent MySQL storage, and frontend-backend communication. Designed an interactive Streamlit interface for patient management and health risk prediction. Utilized Git and GitHub for version control and project management.
View ProjectCredit Risk Modeling & Scorecard Development for NBFC (ABC Finance)
February 1, 2026 – February 1, 2026
Developed and deployed an end-to-end Probability of Default (PD) and credit scorecard model with risk rating for an NBFC using Logistic Regression, achieving ROC-AUC 0.98 and KS 86%, maximizing defaulter recall (94%), and deployed a Streamlit web application for real-time credit risk assessment with regulatory interpretability.
View ProjectCredit Card Targeting & A/B Testing Optimization
September 1, 2025 – October 1, 2025
Segmented high-value customers using transaction and credit data to identify optimal targets for ABC Bank's new credit card. Derived insights from spending and risk profiles to prioritize high-conversion segments. Designed A/B tests with calculated sample sizes and effect sizes to validate launch strategy.
Business Statistics and Analysis
Coursera
June 1, 2026 – Present
Data Analysis and Interpretation Capstone
Coursera
June 1, 2026 – Present
Python: Beginner to Advanced For Data Professionals
CodeBasics
June 1, 2026 – Present
SQL for Data Science
CodeBasics
June 1, 2026 – Present
Math and Statistics For AI, Data Science
CodeBasics
June 1, 2026 – Present
Master Machine Learning for Data Science
CodeBasics
June 1, 2026 – Present
Certificate Course on MSME
IIBF
June 1, 2026 – Present
Junior Associate of the Indian Institute of Bankers
IIBF
June 1, 2026 – Present
Certified Associate of Indian Institute of Bankers
IIBF
June 1, 2026 – Present
UGC - NET December 2025-QUALIFIED FOR ADMISSION TO Ph.D. ONLY
NTA
December 1, 2025 – Present
Cultural Fit Analysis
The candidate's background in banking and recent pivot to data science, along with diverse personal projects (healthcare, credit risk, marketing analytics), indicates a broad interest in applying data science across different domains. This suggests a candidate who is adaptable and eager to learn new areas. The focus on real-world problem-solving and deployment aligns well with a results-oriented culture. The certifications in various data science topics further demonstrate a commitment to continuous learning.
Soft Skills & Operational Fit
The candidate's extensive experience in banking as a Credit Officer/Manager suggests strong analytical, risk assessment, and compliance skills. Collaboration with audit and compliance teams indicates good teamwork and communication. The project descriptions are clear and highlight problem-solving and deployment capabilities. The transition from a traditional banking role to data science, coupled with an MBA in Data Science, shows adaptability and a proactive approach to career development.