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Senior Data Scientist with 2+ years in Credit Risk Analysis & Machine Learning
Experienced Credit Portfolio Risk Analyst with 2.8+ years of expertise in developing and monitoring PD and LGD segmentation models, conducting macroeconomic analysis, and implementing advanced data preprocessing techniques. Skilled in Python, MS SQL, and machine learning, with a strong background in statistical methods and business analytics. Proven ability to derive actionable insights and present recommendations to senior leadership.
ISI, KOLKATA
MTECH IN QROR
August 1, 2022 – June 30, 2024
JADAVPUR UNIVERSITY
BE IN MECHANICAL ENGG
August 1, 2017 – June 30, 2021
KAMHS
HIGHER SECONDARY
June 1, 2016 – May 31, 2016
KAMHS
SECONDARY
June 1, 2014 – May 31, 2014
HDFC BANK
CREDIT PORTFOLIO RISK ANALYST
July 24, 2024 – Present
Mumbai, Maharashtra, India
HDFC BANK
CREDIT PORTFOLIO RISK ANALYST INTERN
June 1, 2023 – August 1, 2023
Mumbai, Maharashtra, India
PWC INDIA
ASSOCIATE
January 17, 2022 – July 29, 2022
Kolkata, West Bengal, India
CESC LTD
GMT
July 15, 2021 – December 15, 2021
Haldia, West Bengal, India
OPTICAL CHARACTER RECOGNITION ON FINANCIAL DOCUMENTS - CONVOLUTION NEURAL NETWORK BASED APPROACH
June 9, 2026 – Present
The Problem was to improvize the existing OCR system - Libraries used (OpenCv, Tensorflow) The dataset used contains images of printed digits, punctuation marks and few alphabets Used CNN architecture contains 2-convolution2D layers 1-MaxPooling Layer, 1-dropout layer, 1-flatten layer, 1-dense layer, 1-drop out and finally 1-dense layer, input image-28x28x1. Test Accuracy achieved is 99.37 percentage
Cultural Fit Analysis
The candidate's background in both mechanical engineering and quantitative finance, coupled with diverse work experiences (thermal power plant, consulting, banking), suggests adaptability and a broad perspective. The interest in classical machine learning, deep learning, and NLP aligns well with an innovative data science culture. The current role at HDFC Bank as a Credit Portfolio Risk Analyst directly aligns with the target role of Senior Data Scientist (Credit), indicating a strong cultural and functional fit.
Soft Skills & Operational Fit
The candidate's experience descriptions suggest a methodical and analytical approach to problem-solving, crucial for risk analysis. The ability to present findings to senior leadership indicates good communication and stakeholder management skills. The academic project on OCR also shows initiative and a practical application of deep learning.