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Surya Nischal

@suryanischal

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Senior Data Scientist with 7.5+ years of experience using ML for credit, collections, and fraud risk decisions

India

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What I'm looking for

I’m looking to lead end-to-end ML initiatives—building, monitoring, and improving models that optimize outcomes. I want a team where stakeholder-driven strategy and measurable business impact are valued.

I’m a Data Scientist with 7.5+ years of experience across Strategy Consulting and risk domains, including Credit Risk, Collections Risk, and Fraud Risk. I leverage machine learning and data analytics to deliver measurable business outcomes, supported by strong stakeholder management and project leadership.

In my current role at Piramal Finance, I’ve designed and deployed ML risk models to optimize monthly collections strategies, leading to a 10% reduction in collection costs through data-driven channel optimization and customer allocation. I also manage a team of 3 data scientists and build Power BI KPI dashboards to govern performance.

Experience

Work history, roles, and key accomplishments

Current

Senior Data Scientist

Current

Piramal Finance

Jul 2023 - Present (2 years 11 months)

Designed and deployed ML risk models across segments to optimize monthly field collections strategies, delivering a 10% reduction in collection costs through channel optimization and customer allocation. Managed a team of 3 data scientists and built Power BI dashboards to monitor collections KPIs, including a recognized RL (DQN) approach for bucket-level strategy re-allocation.

Machine Learning Risk Modeling XGBoost Python SQL Power BI Model Monitoring

Senior Consultant – Analytics

EXL Service

Dec 2021 - Jul 2023 (1 year 7 months)

Delivered analytics and strategic advisory projects spanning credit risk and fraud risk strategy development. Redefined consumer credit cards attrition, built a spend-based ML tool to identify inactive users, and recommended retention changes with expected $6M annual revenue impact; also developed an XGBoost underwriting model using credit bureau data.

Analytics Consulting Credit Risk Fraud & Risk Machine Learning XGBoost Python SQL Stakeholder Management

Associate Consultant, Advisory

Feedback Infra Pvt. Ltd.

Jun 2019 - Jul 2021 (2 years 1 month)

Executed strategy consulting and project management work across transaction advisory for road sector initiatives, delivering 8 projects in total. Built 25+ financial models for PPP feasibility and developed the NHAI corridor rating matrix using traffic data across 39 parameters to improve highway efficiency, safety, and user satisfaction.

Strategy Consulting Project Management Financial Modeling Data Analysis Stakeholder Management Python Excel

Component Developer

Bajaj Auto Ltd.

Jul 2016 - May 2017 (10 months)

Managed 4 vendors and oversaw component development for multiple motorcycle models (Bajaj Dominar 400 and KTM variants), achieving a 95%+ performance rating with fully achieved appraisal. Researched and upgraded an automated inspection system, improving component identification accuracy by 83% and reducing inspection time by 97%, with INR 15 lakh and INR 12.1 lakh savings.

Vendor Management Process Improvement Cost Optimization Manufacturing QA