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Divya Ahirrao

@divyaahirrao

Senior Manager at HDFC Bank validating and monitoring credit models, with earlier ML work delivering ₹20 Cr+ in collections.

India

Message

At HDFC Bank, I lead independent validation and post-deployment monitoring of AIML credit models, including Acquisition, Behaviour, and Collection scorecards. I work in the 2nd Line of Defence and align model governance with SR 11-7, SR 26-2, and Indian and global MRM guidelines.

At DCB Bank, I developed an Early Warning System for KCC and MFI portfolios and built a branch-level cash retention model using Quantile LightGBM. My collection analytics framework prioritized delinquent MFI customers and delivered ₹20 Cr+ in incremental collections.

At Viacom18 Media and Broadcasting Pvt. Ltd., I developed a machine-learning scheduling tool using GUROBI solvers to maximize viewership across four broadcast channels. I also incorporated historical performance and IMDB analytics into advertising-yield forecasting models.

At CitiusTech Healthcare Technology Pvt. Ltd., I built and deployed Random Forest propensity models for insurance policy targeting. Earlier, at QConneqt Business Solutions Pvt. Ltd., I built a Random Forest and GBM propensity model for a real estate client.

Experience

Work history, roles, and key accomplishments

Current

Senior Manager – IRM Model Risk Management – Credit ABC Models

Current

HDFC Bank

Feb 2026 - Present (8 months)

Lead independent validation and post-deployment monitoring of AIML credit models as 2nd Line of Defence, aligned with SR 11-7, SR 26-2, and RBI MRM guidelines. Evaluate model performance using statistical metrics and manage model lifecycle governance.

Model Risk Management AI Model Validation Post release Monitoring SR11 7 SR 26 2 RBI MRM Guidelines Second Line Of Defence Statistical Measures PSI CSI Calibration Testing SHAP Model Documentation Regulatory Compliance

Deputy Manager II – Data Science – Business Intelligence Unit

DCB Bank

Aug 2023 - Jan 2026 (2 years 5 months)

Developed Early Warning Systems and propensity models for credit risk mitigation, built branch-level cash retention models, and deployed anomaly detection for AML compliance. Delivered significant incremental collections and cross-sell revenue through analytical frameworks.

Machine Learning LightGBM XGBoost Random Forest Anomaly Detection Isolation Forest Credit Risk Early Warning Systems AML Compliance Portfolio Analysis SAS Python SQL Stakeholder Management

Senior Executive – Data Science and Corporate Analytics

Viacom18 Media and Broadcasting Pvt. Ltd.

Jun 2022 - Aug 2023 (1 year 2 months)

Developed a dynamic scheduling optimization tool using machine learning and GUROBI solvers to maximize viewership metrics across broadcast channels. Enhanced commercial advertising yield by integrating historical performance data and IMDB analytics into predictive forecasting models.

Machine Learning Optimization Gurobi predictive modeling Forecasting Python SQL

Executive – Data Analyst

CitiusTech Healthcare Technology Pvt. Ltd.

Oct 2020 - Jun 2022 (1 year 8 months)

Built and deployed Random Forest propensity models to optimize insurance policy targeting for US healthcare clients. Enabled insurers to achieve higher star ratings by optimizing customer segmentation and policy targeting.

Random Forest Propensity Modeling Customer Segmentation Model Deployment Python SQL

Intern – Data Science

QConneqt Business Solutions Pvt. Ltd.

Apr 2019 - Dec 2019 (8 months)

Built propensity models using Random Forest and Gradient Boosting to improve site visit conversion and call centre churning efficiency for a real estate client.

Random Forest Gradient Boosting Propensity Modeling Python SQL