# Aditya Tomar

Aditya Tomar is a remote worker on Himalayas, Risk Analytics Consultant at Wells Fargo, based in India.

Source: https://himalayas.app/@adityatomar3

```text
Credit risk analytics professional at Wells Fargo who supported an $80M annualized Net Credit Loss reduction through payment plan pricing analysis.
```

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | India |
| Authorized to work in | India |
| Job categories | Credit Risk Analyst, Quantitative Analyst, Market Analyst |
| Skills | Credit Risk Analytics, Net Credit Loss Analysis, Collections Strategy, Roll Rates, Delinquency Analysis, Credit Risk Modeling, scenario analysis, Portfolio Risk Management, Quantitative Trading, Option Pricing, Volatility Modelling, Machine Learning, Feature Engineering, Logistic Regression, Random Forest |

## About

```text
At Wells Fargo, I analyzed payment plan pricing for the $50B Credit Cards portfolio. My work estimated an $80M annualized steady-state reduction in Net Credit Loss from raising the payment plan APR, supporting approval of the change.

I also assessed a payment plan extension from 60 to 72 months and monitor portfolio delinquency, roll rates, second payment defaults, and charge-offs. I automated reporting with SAS, SQL, and VBA, saving 15+ hours monthly, and prepare portfolio reviews and regulatory risk reports.

On a credit risk modeling project, I built a default prediction model using 23 borrower and repayment features, achieving a ROC–AUC of 0.77. I also developed quantitative trading alphas as a Research Consultant at WorldQuant and ranked as the most profitable trader among 25+ interns at Axxela.
```

## Experience

### Risk Analytics Consultant (current)

[Wells Fargo](https://himalayas.app/companies/wells-fargo). Jul 2025 - Present

```text
Estimated an $80M annualized reduction in Net Credit Loss from a payment plan APR change on a $50B credit card portfolio. Built SAS, SQL, and VBA automation saving 15+ hours monthly and prepared regulatory risk reports for senior leadership.
```

Skills: SAS, SQL, VBA, Python, Credit-Risk-Analytics, Net-Credit-Loss-Analysis, Roll-Rates, Delinquency-Analysis, Report-Automation

### Market Analyst Intern

Axxela. May 2024 - Jul 2024

```text
Traded EURIBOR futures on ECB signals and ranked the most profitable trader among 25+ interns. Analyzed 20+ macro indicators including GDP, inflation, and PMI to identify trading opportunities.
```

Skills: Trading, EURIBOR-3M-Futures, Macro-Analysis, GDP, Inflation, PMI

## Education

### Indian Institute of Technology Roorkee

Bachelor of Technology, Engineering. 2021 - 2025. Grade: 8.5 CGPA

```text
Pursued a Bachelor of Technology degree, achieving a CGPA of 8.5.
```

## Tech stack

- SAS
- NumPy
- Pandas
- Python
- C++
- scikit-learn
- Git
- SQL
- XGBoost
- Monte Carlo
- Matplotlib
- Power BI

To contact Aditya, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire).

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