Open to opportunities

Jyotika Dash User

@jyotikadashuser

Message

I am an experienced credit risk modeler and data scientist driving impactful risk solutions.

India

Message

What I'm looking for

I'm seeking senior data science or credit risk roles where I can lead model development and validation, mentor teams, collaborate with stakeholders, and deliver measurable portfolio performance improvements.

I am a data science and credit risk professional with 9+ years of experience building and validating scorecards and risk models across retail banking and financial services. I have led implementations and model solutions that improved origination efficiency (INR 100M+ portfolios), supported IFRS9 compliance and delivered measurable portfolio impact including a modelled scalar exercise that identified a ZAR 13 billion release.

I excel at end-to-end model development, validation, and analytics implementation using SAS, R, Python, SQL and KNIME, and I routinely mentor teams while managing client and stakeholder relationships. I seek roles where I can solve complex credit risk challenges, drive data-driven decisions, and scale analytics capabilities across the organization.

Experience

Work history, roles, and key accomplishments

Senior Consultant - Analytics

EXL Service

Jan 2024 - Present (1 year 7 months)

Successfully built model-driven MEV scalars to incorporate forward-looking information into ECL calculation using relevant macroeconomic drivers, ensuring IFRS9 compliance and identifying a release of ZAR 13 billion. Advised clients on data-driven solutions tailored to address their business challenges, leading and mentoring junior analysts.

IFRS 9 Macroeconomic Analysis Data Solutions Mentoring

Assistant Vice President - Decision Sciences

HSBC GSC India

Nov 2022 - Present (2 years 9 months)

Leveraged skills to create a holistic view of defaults in a US market portfolio worth USD 1 billion. Validated PD Model for a US-based Oil and Gas portfolio worth USD 200 billion as part of an annual review, requiring understanding and implementation of new KPIs.

PD Modeling Risk Management Regulatory Compliance Data Analysis Business Strategy

Senior Manager – Decision Sciences, BI & Analytics

Jana Small Finance Bank

Oct 2020 - Present (4 years 10 months)

Contributed to developing a framework for end-to-end implementation of 3 risk scorecards for new and existing products, utilizing extensive familiarity with TransUnion CIBIL, Equifax, and High Mark bureau data. Successfully built Propensity Models for efficient Lead generation for Housing and Two-Wheeler loans, leading to a 3% conversion and a revenue impact of INR 32 million+.

Lead Generation Logistic Regression

Senior Analyst

StratLytics Consulting Pvt. Ltd.

Jan 2017 - Present (8 years 7 months)

Accountable for annually back-testing and validating 400+ statistical algorithms used in client’s business processes, identifying weaknesses in 30% of models with potential savings of USD 20 Million+. Led the team to prepare model documentation for new models and validated model development codes for accuracy and conceptual soundness.

Validation Risk Modeling Team Leadership Data Analysis

Analyst

StratLytics Consulting Pvt. Ltd.

Nov 2014 - Present (10 years 9 months)

Served as part of the team that developed 14 scorecards to model risk and response for payday loan customers. Contributed to developing risk scorecards for subprime borrowers in the personal loans segment.

Risk Modeling Data Analysis Consumer Finance Subprime

Intern

Cheenta Academy

Jan 2013 - Present (12 years 7 months)

Actively prepared suitable modules matching students to courses based on their scores. Closely tracked different teaching methods for cohorts to improve their scores.

Product Development Market Research Data Analysis

Education

Degrees, certifications, and relevant coursework

Institute of Mathematics and Applications, Bhubaneswar

Masters, Computational Finance

2012 - 2014

Completed a Master's degree focusing on computational finance. The program provided in-depth knowledge and skills in financial modeling and quantitative analysis.