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Priyanka Das

@priyankadas4

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Data science leader driving AI-led credit risk and ML-platform transformations.

India

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What I'm looking for

I seek senior leadership roles where I can drive AI strategy, scale ML platforms, influence credit policy, and deliver measurable portfolio risk improvements in regulated lending environments.

I am a data science leader with 15 years of experience driving AI transformation across NBFC, BFSI, and FinTech lending ecosystems, focused on credit risk strategy, underwriting modernization, and enterprise-grade ML deployment.

I have delivered measurable impact — including ₹150Cr+ across lending and operations, a 30% improvement in delinquency prediction, a 20% lift in portfolio quality, and a 23% increase in early NPA detection — by building ECL/EWS frameworks, document AI, and MLOps pipelines.

I build and scale DS/ML teams, partner with CROs/CCOs/CTOs to influence credit policy and risk strategy, and prioritize governance, audit readiness, and regulatory-compliant model lifecycle management.

Experience

Work history, roles, and key accomplishments

Current

Director – Data Science

Current

Vivriti Capital

Dec 2021 - Present (3 years 11 months)

Led enterprise AI and risk transformation for a NBFC, delivering ML-driven EWS and Ind AS 109 ECL models that improved delinquency prediction by 30% and lifted portfolio quality by 20%. Implemented MLOps and governance frameworks, reducing model failures by 40% and enabling audit-ready model lifecycle control.

MLOps Model Governance Risk Modeling AWS Python SQL

Lead Manager – Data Science

HSBC

May 2019 - May 2021 (2 years)

Built Basel II-aligned credit risk models and a risk-based pricing engine that generated USD 28M annual incremental revenue; led global model monitoring, validation support and COVID-era stress scenario modelling to strengthen portfolio resilience.

Risk Modeling Risk Based Pricing Validation Model Monitoring Python SQL Governance

Senior Data Scientist

ZipLoan

Feb 2017 - Feb 2019 (2 years)

Set up and scaled the data science function for MSME lending, delivering credit scoring, bank-statement analytics and borrower persona engines to enable underwriting and early-warning analytics.

Credit Scoring Python SQL Dashboards

Manager – Data Science

IndusInd Bank

Sep 2015 - Jan 2017 (1 year 4 months)

Developed Customer DNA segmentation and recommendation engines that improved cross-sell conversions by 25% and upsell by 20%, and automated credit analytics reporting to improve decisioning efficiency.

Customer Segmentation Recommendation Systems SAS Upsell Python SQL

Data Scientist

Boston Analytics

Jun 2014 - Aug 2015 (1 year 2 months)

Built NLP and sentiment pipelines for financial text, and developed modules for resume matching, community detection and graph analytics to support analytics products.

NLP Sentiment Analysis Graph Analytics Python Machine Learning

Business Analyst – Analytics Lab

Tata Consultancy Services

Apr 2011 - May 2014 (3 years 1 month)

Delivered Hadoop-based analytics solutions for government and enterprise clients and co-authored a patented sparse-matrix computation technique for big-data systems.

Hadoop Big Data Sparse Matrix Computation Data Engineering Python SQL