Open to opportunities

ARNAB KUMAR MONDAL

@arnabkumarmondal

Message

Data scientist transforming credit risk and analytics into actionable decisions.

India

Message

What I'm looking for

I’m looking for a role where I can build and validate credit risk/collection models, use ML for portfolio decisions, and run data-driven analytics for campaigns—turning complex data into measurable business impact with strong model monitoring.

I’m an analytics professional and Data Scientist with a strong foundation in statistics and 3+ years of experience in banking analytics across the Indian market and US credit card portfolio analytics.

I build and validate credit risk and scorecard solutions—such as collection scorecards and recovery models—using logistic regression and machine learning (DecisionTree, Gradient Boosting, and more) to improve risk decisioning, segment targeting, and portfolio outcomes.

I also drive analytics into business action through campaign performance analysis (offer strategy optimization, income capture campaigns with CLI eligibility), data migration and ADW validation, and post-migration ECL framework validation. I’ve delivered measurable results like reducing NPA by 3.1% in the first iteration and improved operational decision-making with automated CIBIL trigger alerts using Selenium.

Experience

Work history, roles, and key accomplishments

Current

Consultant

Current

EXL Service

Apr 2025 - Present (1 year 4 months)

Supports income capture and offer campaign analytics for a North American credit card portfolio, including eligibility qualification and campaign performance readouts. Performs credit portfolio data migration validation and post-migration ECL framework (PD/LGD/EAD) validation with ongoing PD model monitoring.

Credit Risk Analytics Campaign Analytics Eligibility Rules Data Validation Regression Testing ECL Framework Validation Model Monitoring SAS SQL Python Statistical Analysis

Data Scientist

Bandhan Bank Limited

Jul 2023 - Apr 2025 (1 year 9 months)

Built credit collection scorecards and ML-based recovery models for small enterprise loan portfolios, and performed portfolio deep-dives to analyze slippage and NPA patterns. Developed policy deviation text-mining analysis and automated CIBIL trigger alerts using Selenium, along with preapproved personal loan customer dataset preparation.