Lead Data Scientist with 6+ years in Data Analytics & Credit Underwriting
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A dedicated and high energy professional; targeting challenging assignments in Data management, Data Quality, Data Analysis, Data Governance, Business Analyst, Financial Analyst, RISK Analyst & Data Analytics with an an organization of repute in Foreign Banking, Financial Services or Consultancy Industry.
McCombs School of Business
PGP DSBA (Post Graduate Program in Data Science and Business Analytics) · Data Science and Business Analytics
August 1, 2022 – Present
KIIT School of Management, KIIT University
MBA · Finance & Marketing
August 1, 2019 – June 30, 2019
Gandhi Institute of Excellent Technocrats- BPUT (GIET)
Bachelor of Technology · Electrical Engineering
August 1, 2016 – June 30, 2016
Vikash Junior College, Sambalpur
H.S.C.
June 1, 2012 – May 31, 2012
The Hongkong and Shanghai Banking Corporation Limited (HSBC)
Associate Vice President -Underwriting, Wealth & Personal Banking
March 1, 2024 – Present
Mumbai, Maharashtra, India
HDFC Bank Limited
Manager (Credit Manager, Unsecured Loans (Retail Credit)
August 1, 2019 – February 1, 2024
Raipur, Chhattisgarh, India
Financial Data Management for Unsecured Lending portfolio
June 1, 2026 – Present
Contributed to the end-to-end financial data management process for Unsecured Lending portfolio, covering Unsecured Loans, and a range of Credit card Products. The project aimed to improve data quality, streamline operations, and deliver actionable insights for business units. Managed client onboarding and registration processes for new unsecured loan and credit card service requests. Performed data cleansing & transformation on raw financial datasets in MS Excel, including: Splitting customer names into first, middle, and last names. Used Python (Pandas & NumPy) to: Clean and transform datasets: Splitting customer names, handling nulls values, and removing invalid characters. Removing extraneous characters, whitespace, and standardizing formats for consistency. Processed and structured data using SQL Server. Writing SQL queries for filtering, joining, and aggregating large datasets. Preparing reports on loan application trends, card usage, and customer segmentation. Built and maintained interactive Tableau dashboards to visualize. Loan volumes, approval rates, credit card performance, and delinquency trends. Product-specific metrics across Unsecured loans & range of credit card type. Merge and reshape datasets to prepare for SQL-based analytics and Power BI reporting. Supported business teams with ad hoc analysis to drive product strategy and enhance customer experience. Application trends, approval/rejection ratios, customer segmentation, and delinquency rates Product performance across Unsecured Loans and credit card variants. Delivered insights to internal stakeholders, helping guide business strategy and customer engagement.
Election Exit Poll Prediction
June 1, 2026 – Present
The project is to predict which party a citizen is going to vote for based on their age and according to the answers given by the citizens to the questions asked in a survey conducted.
Insurance Claim Prediction
June 1, 2026 – Present
To identify claim status and provide recommendations to management
Bank Customer Segmentation
June 1, 2026 – Present
Developed a customer segmentation model to help companies provide promotional offers to its customers
Gems & Holiday Package Prediction
June 1, 2026 – Present
Created the model to predict the price of the gems on multiple variables to help the company to maximize the profits. Also, designed a model to predict if the customer will purchase the holiday package to target relevant customer base. The concept of linear regression is tested, and it is expected from the learner to predict the price of gems based on multiple variables to help companies maximize profits
Certificate for Fundamentals of Credit
Corporate Finance Institute
June 1, 2026 – Present
Certified Course on Corporate Financial Statement Analysis
LinkedIn Learning
June 1, 2026 – Present
Certified Course on Understanding Capital Markets
LinkedIn Learning
June 1, 2026 – Present
Certification of Basic and Advance Photography
Nikon School, India
June 1, 2026 – Present
60 Days' Value-Added Course on PLC (Programmable Logic Controller) & SCADA
Prolific Systems & Technologies Pvt. Ltd.
June 1, 2026 – Present
Master in Data Analytics
Data Gyan
February 1, 2025 – June 1, 2025
Industrial Visit Training
BSNL Chennai Telephones
October 1, 2015 – Present
Industrial Visit Training
Odisha Power Transmission Corporation Ltd.
June 1, 2015 – Present
Industrial Visit Training
Odisha Power Generation Corporation Ltd.
June 1, 2014 – Present
Cultural Fit Analysis
The candidate's background in finance and marketing, combined with a PGP in Data Science and Business Analytics, suggests a strong business-oriented approach to data science. Their experience in large financial institutions (HSBC, HDFC Bank) indicates an ability to work within structured, regulated environments. The diversity of academic projects, while basic, shows an interest in applying data science to various business problems. However, the lack of open-source contributions or community involvement beyond academic projects might indicate a more internally focused work style, which could be a consideration for cultural fit in highly collaborative, innovation-driven environments.
Soft Skills & Operational Fit
The candidate demonstrates strong problem-solving, teamwork, communication, and analytical skills, which are crucial for a Lead Data Scientist role. Their experience in managing SLAs, collaborating with business teams, and delivering actionable insights indicates good operational fit. The ability to multitask and manage time effectively, as highlighted in the resume, further supports their suitability for a demanding leadership role.