Data Scientist
Current- Improved international transaction authorization rate by using advanced data analysis, decision tree modeling, and risk-based segmentation.- Developed a logistic regression-based transaction scoring model for newly onboarded customers, significantly improving credit risk management and reducing false declines.- Designed and implemented a credit risk segmentation strategy using SPSS and decision tree modeling, enabling early risk intervention, enhanced customer segmentation, and improved repayment collection forecasting.- Migrated and optimized business rules from the old Drools rule engine to a new rule engine, improving operational efficiency and decision-making accuracy.- Ensured adherence to RBI regulatory operations and guidelines, preventing compliance issues and maintaining regulatory standards.- Collaborated with cross-functional teams, including the core system team and Fraud Risk Management (FRM) team, to design and integrate data-driven security solutions, embedding advanced data science insights into operational strategies.