# Bitu Singh

Bitu Singh is a remote worker on Himalayas, Lending / Credit Operations at CASHe (Bhanix Finance and Investment Limited), based in India.

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

```text
Credit operations professional at CASHe who supported digital lending workflows and introduced a WhatsApp-assisted follow-up process.
```

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | India |
| Authorized to work in | India |
| Salary expectations | 14575k+ INR |
| Job categories | Credit Operations, Data Scientist, Data Analyst, Machine Learning Engineer |
| Skills | Credit Risk Management, Digital Lending, Credit Risk Assessment, Customer Verification, KYC, Video KYC, Credit Bureau Review, Loan Onboarding, Loan Disbursement, Delinquency, Collections, KYC AML, Financial Risk Analytics, Treasury Analysis, Time series Forecasting |

## About

```text
At CASHe, I supported credit-risk operations for digital personal loans, from customer verification and onboarding through disbursement, early delinquency, and collections. I reviewed PAN/KYC, CIBIL/bureau, repayment, and customer records, and worked downstream of CASHe’s Social Loan Quotient credit-scoring ecosystem to validate customer information and underwriting outputs.

I created and maintained Excel-based reports tracking loan disbursements, application volumes, processing status, pending cases, and operational trends. I also introduced a WhatsApp-assisted follow-up process and was recognized for productivity and process improvement.

In my data science projects, I developed treasury liquidity forecasting and risk-monitoring work using Prophet, XGBoost, and anomaly detection. I’ve also worked on financial market shock forecasting and an AML/KYB ownership-graph risk engine.
```

## Experience

### Lending / Credit Operations

CASHe (Bhanix Finance and Investment Limited). Jan 2023 - May 2025

```text
Supported end-to-end consumer credit-risk operations including post-underwriting verification, customer onboarding, V-KYC, e-mandate/e-sign, disbursement, early delinquency, and collections for digital personal-loan products. Reviewed PAN/KYC, CIBIL/bureau, repayment, and customer records to identify inconsistencies, and introduced a WhatsApp-assisted follow-up process.
```

Skills: Credit-Risk, Video-KYC, CIBIL, Loan-Disbursement, Collections, Excel, Data-Analysis, Cross-functional-Coordination

## Education

### Nilkamal School of Mathematics, Applied Statistics and Analytics, NMIMS

M.Sc., Data Science. 2025 - Present. Grade: 7.18/10

```text
Pursuing M.Sc. in Data Science with a current CGPA of 7.18/10, expected to complete in July 2026.
```

### Ismail Yusuf College

B.Sc., Mathematics. 2019 - 2023. Grade: 8.14/10

```text
Completed B.Sc. in Mathematics with a CGPA of 8.14/10.
```

## Tech stack

- Docker Compose
- PostgreSQL
- Redis
- Python
- MLflow
- Celery
- SQL
- XGBoost
- Power BI

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

## People also viewed

- [Utkarsh Singh](https://himalayas.app/@utkarshsingh4): Senior Data Analyst, KISSHT
- [Sawan Kumar](https://himalayas.app/@sawankumar1): Deputy Vice President, IndusInd Bank
- [Rishit Mehta](https://himalayas.app/@rishitmehta): Data Scientist II, Kotak Mahindra Bank
- [Ashish Kesharwani](https://himalayas.app/@ashishkesharwani): Data Scientist, PayPal India Pvt. Ltd.
- [Rachit Kanaujia](https://himalayas.app/@rachitkanaujia): Credit Manager, Piramal Capital & Housing Finance Ltd.
- [Aakriti Agrawal](https://himalayas.app/@aakritiagrawal): Senior Consultant (Data Analytics & Quality Control), Protiviti
- [Ishan Dixit](https://himalayas.app/@ishandixit): Principal Data Scientist, PayMe India
- [ABHISHEK ARORA](https://himalayas.app/@abhishekarora1): Senior Executive Data Scientist, AU Small Finance Bank
- [UTKARSH User](https://himalayas.app/@utkarshuser10): Senior Data Scientist, Paytm
- [SUJAN BISWAS](https://himalayas.app/@sujanbiswas): Vice President, Insights & Analytics, Citibank