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Daksh Chirantan

@dakshchirantan

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Data analyst specializing in risk modeling, portfolio profitability, and data automation.

India

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What I'm looking for

I seek roles applying statistics and risk modeling to optimize credit portfolios, build automation, and drive data-driven product decisions in collaborative, impact-focused teams.

I am a data analyst with a strong foundation in statistics and risk modeling, trained at IIT Bombay and experienced in large-scale financial portfolios. I translate complex data into actionable insights to optimize portfolio performance and mitigate credit risk.

At ICICI Bank I developed SQL-based profitability calculations for over 10 million customers across Commercial Credit Cards, Fastag, Prepaid, and Forex products, enabling customer profitability bands used for pre-approved offers and strategic decisions.

I designed a risk-adjusted credit limit optimization framework that backtested outcomes and delivered a 9.5% uplift in incremental profitability versus the legacy approach, while enforcing policy caps and portfolio risk appetite.

I build automation and ML solutions, including a Python + SQL data request automation engine and an LLM-powered banking research agent, and have strong hands-on skills in Python, SQL, scikit-learn, and related libraries.

Experience

Work history, roles, and key accomplishments

Current

Data Analyst

Current

ICICI Bank

Jul 2023 - Present (2 years 5 months)

Developed SQL- and model-driven frameworks to calculate per-customer profitability for 10M+ customers and implemented a risk-adjusted credit limit optimization that improved incremental profitability by 9.5%; automated data request workflows to reduce manual turnaround and delivered 10+ actionable customer cohorts for marketing.

SQL Python Risk Modeling Data Automation Cohort Analysis SQL Optimization Pandas scikit learn

Education

Degrees, certifications, and relevant coursework

IIT Bombay

Master of Science, Applied Statistics

2021 - 2023

Activities and societies: Student Companion in the Institute Companion Program; research project on data mining for obesity estimation under Prof. Sanjeev V. Sabnis.

Completed an MSc in Applied Statistics focusing on statistical modeling and data analysis from 2021 to 2023.