Developing credit risk underwriting models at the Amazon Lending B2B Payments team

Amazon Lending Invoicing - B2B Payments

• Developed an ML model for anomaly detection using R and Spark on Azure Databricks to leverage company’s ERP, quality and production data to predict faulty production lots before market release• Built data pipelines to ingest data from myriad sources onto cloud analytics platform on an ad-hoc basis

- Developed a random forest regression model on R Studio, to forecast the branch revenue at the block-group level for 7 banking products of 2 banks undergoing a merger- Identified demographically and economically similar markets at the MSA-level by performing unsupervised machine learning on Python to generate model archetypes for revenue forecasting- Developed highly advanced and interactive Tableau dashboards using geospatial data to demonstrate analytical findings and actionable insights to executive leadership- Prepared structured data for feature engineering by using SQL, Python and Excel to perform ETL, data manipulation and data pre-processing on large unstructured datasets having more than 40 million rows- Extracted and analysed data from third-party data sources (Experian, Skyhook and web-scraped data) and performed geospatial feature engineering on Alteryx to create 1000+ features for revenue modelling- Collaborated with bank’s senior executives and product owners to align with their branch network strategy and incorporate business and regulatory constraints as qualitative overlays in the revenue model

•Analyzed and tested the design and implementation of 20 internal controls to ensure SOX and ICFR compliance•Performed strategic risk management and business process improvement by discovering control gaps in Supply Chain Management, Procure-to-Pay and Asset & Project Accounting business processes•Aligned control operations with the defined Risk Control Matrix by developing and enforcing deficiency remedy solutions•Collaborated with client’s control owners in 23 offices across India to streamline their control execution and documentation, delivering an increase in controls’ operational efficiency of 72.5%•Co-ordinated with the client’s external auditors to ensure the internal controls get audit certification

Performed Material Resource Planning and Consumption Based Planning by analyzing data using SAP Lumira for material and sales forecasting, determining minimum inventory level, minimizing freight rates and markdown optimisation using sales information