Bishal Roy
@bishalroy1
Data scientist specializing in large-scale credit analytics and ML-driven risk solutions.
IndiaWhat I'm looking for
I am a data scientist with hands-on experience building terabyte-scale credit scorecards, ECL models aligned to IFRS 9, and production ML pipelines using Python, PySpark and SQL. I have driven measurable business impact—improving approvals by 125%, boosting user retention from 10% to 27%, and creating extensive credit-risk feature sets to enhance scorecards.
My background spans end-to-end model development, geospatial clustering for property validation, macro-driven PD forecasting using Vasicek and survival analysis, and deployment of recommender and computer-vision systems. I collaborate across cross-functional teams to translate complex data into scalable production solutions and actionable strategies.
Experience
Work history, roles, and key accomplishments
Data Scientist
Jio Financial Services Ltd
Jun 2025 - Present (9 months)
Developed a credit scorecard using terabyte-scale telecom behavioral data, improving approvals by 125% while maintaining benchmark bad rate; deployed SQL/Python/PySpark automation pipelines to solve complex underwriting problems at scale and created high-potential campaign cohorts across JFS entities.
Assistant Manager Analytics
Vistaar Financial Services Pvt Ltd
Apr 2024 - Jun 2025 (1 year 2 months)
Built a proprietary Haversine-based clustering for geospatial property valuation validation and developed an end-to-end IFRS 9-aligned ECL model using TTC/PIT PDs, Vasicek macro integration, survival analysis, LGD and EAD to produce yearly expected credit losses.
Data Scientist Intern
MPL Gaming
May 2023 - Aug 2023 (3 months)
Built event funnels (qualification→view→click→play) and visualized drop-offs, implemented targeted offer cycles that raised retention from 10% to 27% for 400k users, and automated real-time campaign trackers for Nigeria using Databricks and GSheets.
Education
Degrees, certifications, and relevant coursework
Udemy
Certificate, Data Engineering
2023 - 2023
Completed the 'Azure Databricks & Spark For Data Engineers (PySpark / SQL)' course on Udemy.
Scaler Academy
Certificate, Data Science & Machine Learning
2021 - 2023
Grade: 9
Activities and societies: Specialization in Deep Learning and AI.
Completed a specialization program in Data Science & Machine Learning focused on Deep Learning and AI.
Lovely Professional University
Diploma+Bachelor of Technology, Civil Engineering
2014 - 2020
Grade: 6.3
Activities and societies: Debate Club
Completed a Bachelor of Technology in Civil Engineering with associated diploma coursework at Lovely Professional University, graduating in 2020.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Job categories
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