At Citibank, I lead insights and analytics for Institutional Banking QA, with responsibility for risk controls and data governance in data science practices. I'm building WCR Policy Explorer, a GenAI chatbot for policy summarisation, and developed a leveraged-lending tagging framework that made risk turnaround 3x faster.
At IDFC First Bank, I led SME credit analytics and implemented the application-scorecard acquisition framework for a secured lending portfolio of INR 10,000 Cr. I also developed the GST OD acquisition scorecard, supporting a programme that disburses INR 500+ Cr per quarter.
At UGro Capital, I developed alternate-data scorecards and integrated sector-specific MSME scorecards with the loan origination system, enabling decisions within 60 minutes of application. I designed the ML deployment architecture behind credit underwriting, with two in-house models returning approve or reject decisions in production.
Earlier, at DBS Bank and YES Bank, I worked on customer and campaign analytics, banking scorecards, and credit-risk models. At Bank of India, I ran retail-banking portfolio monitoring and business reviews.
