
Ritambhara Jha
@ritambharajha
I build production AI, analytics, and risk systems that improve business outcomes.
What I'm looking for
At Discover Financial Services, I build enterprise RAG and agentic LLM systems for customer-call intelligence, taking them from prototype to containerized production with machine learning engineers. My model evaluation work reduced operational review effort by 23%.
I also use recovery, vendor, and customer data to improve collections decisions. My cohort and leakage analyses delivered 9% cost savings, while predictive risk models and A/B testing informed contact and settlement strategies.
Previously at Lindt & Sprungli, I built the data science and product analytics function from the ground up. I delivered predictive maintenance, anomaly detection, and closed-loop process control that reduced defect escapes by 20%, temperature variance by 28%, and material waste by 12%.
At Intellect Design Arena, I led product analytics and predictive-model delivery across trade finance and payments, managing a cross-functional squad of 18–20 data scientists and engineers. Across 15+ years, I’ve combined Python, NLP, machine learning, data platforms, and roadmap ownership to deliver production systems and measurable results.
Experience
Work history, roles, and key accomplishments
Senior Data Scientist
Discover Financial Services
Sep 2023 - Present (3 years 1 month)
Architected and deployed enterprise-grade RAG and agentic LLM systems on unstructured customer interaction data, cutting operational review effort by 23%. Led a technical squad of data scientists and collaborated with ML Engineers to design, deploy, and maintain an enterprise GenAI/RAG platform.
Data Scientist
Lindt & Sprungli
May 2022 - Apr 2023 (11 months)
Built Lindt's data science and product analytics function from the ground up, setting strategy, roadmap, data governance, and KPI taxonomy. Delivered predictive maintenance and real-time quality monitoring on IoT lines, reducing unplanned downtime by 15% and defects by 20%.
Senior Project Lead – Data Analytics & Trade Finance
Intellect Design Arena
Sep 2016 - Aug 2021 (4 years 11 months)
Owned product analytics for Trade Finance (UCP 600) and payments, building forecasting models to guide pricing, roadmap, and go-to-market decisions. Led a cross-functional squad of 18-20 data scientists and engineers to deliver customer-facing product analytics and predictive models.
Past Experiences
Bank of Tokyo
Jun 2008 - Sep 2016 (8 years 3 months)
Led cheque collection systems, automated interbank charge reconciliation and SQL reporting to cut manual work and errors.
Education
Degrees, certifications, and relevant coursework
Rochester Institute of Technology
Master of Science, Data Science
Master of Science in Data Science from Rochester Institute of Technology, completed in 2023.
Mody Institute of Technology
Bachelor of Technology, Computer Science
Bachelor of Technology in Computer Science from Mody Institute of Technology, completed in 2008.
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
Salary expectations
Social media
Skills
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