# SUJAN BISWAS

SUJAN BISWAS is a remote worker on Himalayas, Vice President, Insights & Analytics at Citibank, based in India.

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

```text
Credit risk and data science leader at Citibank building a GenAI policy chatbot and automated risk controls.
```

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | India |
| Authorized to work in | India |
| Salary expectations | 100k+ USD |
| Job categories | Data Scientist, Credit Risk Manager, Data Science Manager |
| Skills | Credit Risk Analytics, Credit Scoring, Credit Policy, SME Lending, Alternate Data Underwriting, Fraud Detection, Portfolio Monitoring, Performance Testing, Model Deployment, Model Monitoring, Generative AI, Large Language Models, Customer Analytics, Propensity Modeling, Upsell And Cross Sell Analysis |
| LinkedIn | https://linkedin.com/in/sujan-biswas-0a375354 |

## About

```text
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.
```

## Experience

### Vice President, Insights & Analytics (current)

[Citibank](https://himalayas.app/companies/citi). Sep 2024 - Present

```text
Lead insights and analytics for Institutional Banking QA, owning risk controls and data governance. Building a GenAI policy-summarisation chatbot and a leveraged lending tagging framework.
```

Skills: GenAI, Risk-Control, Data-Governance, Policy-Summarization, Leveraged-Lending, Continuous-Monitoring

### Assistant Vice President

IDFC First Bank. Sep 2020 - Sep 2024

```text
Led credit analytics for SME lending, implementing an application-scorecard acquisition framework for a secured portfolio of INR 10,000 Cr. Developed and deployed the GST OD acquisition scorecard and built multiple scorecards for CASA and SME businesses.
```

Skills: Credit-Risk, Scorecards, Logistic-Regression, SAS, Python, FI-CO, Random-Forest, XGBoost, AWS, PySpark, Mule-Account-Detection, Propensity-Modeling, Attrition-Modeling, KPI-Dashboards

### Senior Manager

UGro Capital. May 2019 - Sep 2020

```text
Developed an application scorecard on alternate data for customers with no bureau history. Managed sector-specific MSME scorecards and designed the ML deployment architecture for credit underwriting.
```

Skills: Alternative-Data, Scorecards, ML-Deployment, GCP, Docker, MySQL, Python, Champion-Challenger-Testing, Co-Lending, Performance-Testing

### Senior Associate

[DBS Bank](https://himalayas.app/companies/dbs-bank). Sep 2018 - May 2019

```text
Owned customer analytics for the debit card portfolio and campaign analytics for 10+ campaigns across debit card, personal loan, and mutual funds. Provided analytics inputs for customer acquisition through the Digibank app.
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Skills: Customer-Analytics, Campaign-Analytics, Debit-Cards, Personal-Loans, Mutual-Funds, Digital-Banking

### Manager

YES Bank. May 2017 - Sep 2018

```text
Developed and implemented application and behavioural scorecards for the business banking portfolio. Built ML models for acquisition, cross-sell, retention, and credit risk, and implemented a Customer Lifecycle Management framework.
```

Skills: Scorecards, Machine-Learning, Random-Forest, Propensity-Modeling, Customer-Lifecycle-Management, Forex-and-Remittances

### Assistant Manager

Bank of India. Sep 2012 - Jun 2015

```text
Ran portfolio monitoring and business reviews for retail banking, tracking growth KPIs across retail lending.
```

Skills: Portfolio-Monitoring, Business-Reviews, Retail-Lending, KPI-Tracking

## Education

### Indian Institute of Management Calcutta

MBA, Management

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MBA from the Indian Institute of Management Calcutta, completed in 2017.
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### Indian Institute of Technology Kanpur

Bachelor's degree, Engineering

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Bachelor's degree from the Indian Institute of Technology Kanpur, completed in 2012.
```

### NSE

Certified Technical Analyst, Finance

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Certified Technical Analyst from NSE.
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### Stanford University

Certificate in Statistical Learning, Statistics

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Completed the Stanford Statistical Learning certificate.
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### Stanford University

Certificate in SQL, Computer Science

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Completed the Stanford SQL certificate.
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### National Institute of Bank Management (NIBM), Pune

Certificate in Customer Management in Banking, Banking

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Completed the Certificate in Customer Management in Banking from NIBM Pune.
```

## Tech stack

- Tableau
- SAS
- QlikView
- Microsoft Azure
- Google Cloud Platform
- PySpark
- MySQL
- Databricks
- Python
- MLflow
- Docker
- SQL
- XGBoost
- AWS

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

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