Looking for a job

ayush khare

@ayushkhare2

Message

I turn credit card data into decisions that move P&L.

India

Message

What I'm looking for

I'm open to senior analytics, consulting, and data science leadership roles focused on interesting financial services analytics problems.

At Visa Consulting & Analytics, I lead data science and analytics consulting for top-tier banking clients across APAC and CEMEA. I turn credit card data into decisions that move P&L, from payment-decline root-cause analysis to product enhancement roadmaps.

I've built an XGBoost model to identify hidden affluent customers from transaction patterns and a bureau-driven bankruptcy risk model that improved acquisition capture rate by approximately 52%. I also delivered a five-year P&L simulation for a newly launched credit card, with recommendations adopted by the client C-suite.

Previously at JPMorgan Chase, I built cloud-native Python CCAR and CECL stress-loss models supporting capital planning for a multi-billion-dollar credit card portfolio. I handled validation, back-testing, recalibration, regulatory documentation, and Federal Reserve and OCC examination support, with zero regulatory objections.

My experience also includes financial planning and forecasting at HSBC, process automation at RBL Bank, and testing automation at Amdocs. I'm comfortable building ML pipelines, analyzing large-scale data, and presenting million-dollar business cases to senior leaders.

Experience

Work history, roles, and key accomplishments

Current

Data Scientist - Credit Card | VCA

Current

Visa

May 2024 - Present (2 years 4 months)

Leading data science & analytics consulting for top-tier banking clients across the APAC & CEMEA region as part of Visa's Consulting & Analytics (VCA) division.

▸ 🏆 Identified annual business impact from credit card payment declines — root cause analysis revealed that affluent, low-risk customers were being declined due to insufficient limits; recommended a shadow limit tied to 1% of AUM, project

Data Analysis Business Understanding XGBoost Python SQL Machine Learning

Associate — Credit Card Planning & Analysis (P&A)

JPMorgan Chase & Co.

Apr 2022 - May 2024 (2 years 1 month)

Quantitative modelling and regulatory analytics for JP Morgan's multi-billion-dollar credit card portfolio — covering CCAR, CECL, Investor Day, and Annual Budget stress frameworks
.
▸ 🏆 Won JP Morgan CCB Best Performer Award (2024) — recognized across the entire Consumer & Community Banking LOB, spanning multiple teams and product lines
▸ ⚙️ Built cloud-native Python CCAR & CECL stress loss mode

Statistical Analysis SQL Machine Learning Python Business Insights Alteryx Budgeting Tableau Time Series Analysis CCAR Risk Management

Assistant Manager — Finance P&A | Canada Retail Deposit

HSBC

Nov 2020 - Mar 2022 (1 year 4 months)

▸ 📊 Built multi-scenario statistical forecast models for HSBC Canada's retail deposit portfolio — supporting capital planning and liquidity management under base and stressed economic conditions
▸ 📋 Produced Monthly Performance Reports and Annual Operating Plans presented directly to senior leadership — translating large-scale financial data into board-ready strategic narratives
▸ 🔍 Large-scale da

Statistical Analysis SQL Machine Learning Business Insights SAS Financial Planning Financial Modeling

Summer Intern

RBL Bank

Apr 2019 - May 2019 (1 month)

• Upgraded the subsidy claim process of Credit Linked Subsidy Scheme under PMAY
• Digitization of manual processes by 4000 lines of Macro enabled VBA code in Excel
• Reduced TAT by 90% and improved accuracy by 85% through automation, validation & minimized third party dependency
• Capability development by upskilling 4 client members by conducting KT session

Statistical Analysis

Functional Test Engineer

Amdocs

Jul 2015 - May 2018 (2 years 10 months)

- Excelled in Manual, UAT, Regression and Interface Testing
- Designed test cases for 100+ features for two MNC Telecoms
- Developed the Automation tool to run procedures efficiently

SQL Automation Testing

Education

Degrees, certifications, and relevant coursework

Indian Institute of Management Udaipur

Master of Business Administration - MBA

2018 - 2020

▸ One of India's premier management institutions — Top 10 IIM
▸ Focus areas: Financial Management, Business Analytics, Strategy & Consulting
▸ CAT 99.3 Percentile — Top 0.7% of 2.4 million test takers

Indian Institute of Management Udaipur

Master of Business Administration, Business Administration

2018 - 2020

Pursued an MBA with focus on Financial Management, Business Analytics, Strategy & Consulting. Achieved CAT 99.3 percentile, ranking in the top 0.7% of 2.4 million test takers.