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Rishabh DhyaniRD
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Rishabh Dhyani

@rishabhdhyani

Data Scientist at CRED who optimized lender-offer allocation, increasing monthly disbursal by ~INR 50Cr.

India
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At CRED, I built conversion-probability and ticket-size models that feed a Gurobi optimization program for allocating lender offers. The system increased monthly disbursal by ~INR 50Cr and saved ~INR 10Cr/year in lender penalty payouts.

I also built databricks-mcp, a production platform giving AI agents access to Databricks, and the flagship data-science agent on it. It supports 51 agents and 400+ users across 50 teams, with 99.7% reliability.

For CRED’s vehicle business, I built a vehicle make-model-variant mapping model using CatBoost and a fine-tuned SentenceTransformer. After a staged A/B rollout, it reduced support tickets by 90% and generated a premium upside of ~INR 8Cr/year.

As a Data Scientist Intern at CRED, I developed an XGBoost name-validation model that improved F1 from 0.90 to 0.98 and was adopted company-wide. I also developed a motor-risk model that drove a 10% uplift in user conversion and a 5% uplift in premium overall.

Experience

Work history, roles, and key accomplishments

CRED logoCR
Current

Data Scientist (ML Engineering)

CRED

Jun 2023 - Present (3 years 4 months)

Built segment-level conversion-probability and ticket-size models feeding a Gurobi linear program for offer allocation across 10M+ users, increasing monthly disbursal by ~INR 50Cr and saving ~INR 10Cr/year in lender penalties. Developed an agentic AI platform on Databricks MCP powering 51 agents and 400+ users, and a vehicle make-model-variant mapping model reducing support tickets by 90%.

CRED logoCR

Data Scientist Intern

CRED

Aug 2021 - Nov 2022 (1 year 3 months)

Replaced rule-based fuzzy matching with an XGBoost name-match model for lending fraud prevention, improving F1 from 0.90 to 0.98 and serving ~8M requests/day at ~9ms p99 latency. Developed a CatBoost propensity model for motor insurance, driving a 10% uplift in user conversion and 5% premium uplift, and architected a real-time vehicle data extraction service using AWS SQS enabling zero-input onboa

Education

Degrees, certifications, and relevant coursework

Indian Institute of Information Technology and Management, Gwalior logoIG

Indian Institute of Information Technology and Management, Gwalior

Integrated B.Tech and M.Tech, Information Technology

2018 - 2023

Grade: 8.05 CGPA

Integrated B.Tech and M.Tech in Information Technology with a CGPA of 8.05.

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