# shiv User

shiv User is a remote worker on Himalayas, Data Scientist at XploreLogic Technologies Pvt. Ltd., based in India.

Source: https://himalayas.app/@shivuser8

```text
Data Scientist at XploreLogic Technologies Pvt. Ltd. who developed credit risk models and scorecards, improving ROC-AUC from 0.68 to 0.75.
```

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | India |
| Authorized to work in | India |
| Salary expectations | 16600k+ INR |
| Job categories | Data Scientist, Credit Risk Analyst, Machine Learning Engineer, Data Analyst |
| Skills | Credit Risk Modelling, Probability Of Default (PD), Scorecard Development, Credit Scoring, Model Validation, Model Governance, Portfolio Monitoring, Borrower Analysis, Delinquency Analysis, Vintage Analysis, Roll Rates, NPA and Write Off Analysis, Feature Engineering, Feature Selection, Logistic Regression |

## About

```text
At XploreLogic Technologies Pvt. Ltd., I developed probability-of-default models and credit scorecards using customer demographic, transactional, and bureau data. The work created 5–7 risk segments for risk-based lending decisions.

I improved ROC-AUC from 0.68 to 0.75 through feature engineering, variable selection, and model optimisation. I also engineered more than 100 risk variables and enhanced scorecard performance by 10% in Gini and 6% in KS.

I validated and monitored behavioural PD models across active accounts, using measures including PSI, PAI, Gini, and KS to identify shifts and support early drift intervention. I also produced SQL reporting and Power BI monitoring views for loan origination and portfolio performance.
```

## Experience

### Data Scientist (current)

XploreLogic Technologies Pvt. Ltd.. Jul 2023 - Present

```text
Developed PD models and credit scorecards on 0.2M+ customer records, creating 5-7 risk segments for risk-based lending decisions. Built and optimized Logistic Regression and Decision Tree models, lifting ROC-AUC from 0.68 to 0.75 through feature engineering and model optimization.
```

Skills: Python, SQL, Pandas, NumPy, scikit-learn, Logistic-Regression, Decision-Trees, WOE-(Weight-Of-Evidence), Feature-Engineering, Model-Validation, PSI, PAI, Gini, ROC-AUC, Power-BI, Excel

## Education

### G.H. Raisoni College of Engineering

Bachelor of Engineering, Electronics & Telecommunication

```text
Bachelor of Engineering in Electronics & Telecommunication from G.H. Raisoni College of Engineering, Nagpur, affiliated to Rashtrasant Tukadoji Maharaj Nagpur University.
```

## Tech stack

- SAS
- GitHub
- Kubernetes
- NumPy
- Pandas
- Databricks
- Jira
- Python
- scikit-learn
- Streamlit
- FastAPI
- Git
- Docker
- SQL
- Seaborn
- Matplotlib
- Power BI
- REST APIs
- Power Query

To contact shiv, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire).

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