Data Scientist with expertise in credit risk modelling.Built application scorecard for unsecured PL using reject inferencing and SHAP for explainability.Built behaviour scorecard to increase no-doc renewal while dropping bad rate by 50%.
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Data ScientistStartupToronto, On, Ca
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Senior Data ScientistStealth Ai Fintech Startup Sep 2022 - PresentToronto, Ontario, Canada• Worked on Proofs of Concepts using conventional and alternate data from 7 banks and 4 fintechs across USA, UAE, Canada, India• Built Application Scorecard, Behavioural Scorecard, Collection Scorecard machine learning models for personal loan, credit card, car loan, and MSME• Increased approval rate and decreased cost of default through robust Application Scorecard models• Worked on underwriting, lead prioritization, campaign analytics, business analytics, and collection strategy• Launched Customer Intelligence score (B2B MSME score) and Financial Health Report (D2C product)• Built multiple versions of underwriting models using alternate data (bank statement, sms data, geo location, gst, etc) with XGboost algorithm to risk-rank TTD, Amount strategy, and Tenure strategy for different risk grades• Built fraud model (to predict unknown frauds) with reason code (explainability)• Built recommendation engine to offer the ‘first time right’ Interest rate slab to customers• Built reason code framework using SHAP, to add explainability of ML models• Built model monitoring framework and early warning system• Built models to prioritize lead and sms campaign -
Data ScientistOntario Ministry Of Children, Community And Social Services Sep 2021 - Aug 2022Toronto, Ontario, Canada• Designed and built hospital readmission model and claim fraud detection model• Built Feature Universe of 30k features on top of hospital and Ministry data• Used expandability method and SHAP to determine why the variable is important and what is the impact• Checking the stability of the model with PSI and CSI index• Built model monitoring framework and early warning system -
Policy Analyst Intern - Office Of The Provincial Chief Nursing OfficerOntario Ministry Of Health Apr 2019 - Sep 2019Toronto, Ontario, CanadaAs a policy analyst intern, I collaborated with the team on policy and program development by conducting qualitative analyses, drafting policy notes, and providing strategic advice from a public health lens. In addition, I supported the development of both pan-Canadian and Ontario nursing regulatory frameworks by creating briefing materials and presentations for stakeholder consultations. Overall I gained extensive knowledge of government regulations in the healthcare industry, developed excellent organizational, writing, and public speaking skills, and learned how to create effective presentations for stakeholder audiences. -
Customer Service RepresentativeNebula Technologies Inc. Jan 2013 - May 2019Mississauga, Ontario, CanadaNebula Technologies Inc. is a networking hardware and consulting company that has managed networks for organizations such as Best Western. As a customer service representative, I enhanced the creation process of customer proposals through Tableau and Microsoft Visio diagrams based on consultations.
Anosh Kalwachia Education Details
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Double Major In Interdisciplinary Medical Sciences, And Medical Cell Biology -
Software Engineering Technology - Artificial Intelligence -
UdemyPython And Django Full Stack Development; Data Science And Machine Learning -
Master Of Public Health -
St. Francis Xavier Secondary School, MississaugaOntario Secondary School Diploma & Diploma Of The International Baccalaureate
Frequently Asked Questions about Anosh Kalwachia
What company does Anosh Kalwachia work for?
Anosh Kalwachia works for Startup
What is Anosh Kalwachia's role at the current company?
Anosh Kalwachia's current role is Data Scientist.
What schools did Anosh Kalwachia attend?
Anosh Kalwachia attended Western University, Centennial College, Datacamp, Udemy, Brock University, St. Francis Xavier Secondary School, Mississauga.
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