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UTKARSH User

@utkarshuser10

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Senior Data Scientist at Paytm who developed behavioral scorecards and risk policies that brought GCL down by 22 bps.

India

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At Paytm, I led the development of behavioral scorecard models and feature-pipeline batch-scoring code in Python and PySpark. I also developed a chronic-bad-customer segmentation and risk policy that brought GCL down by 22 bps.

At Goldman Sachs - Marcus, I developed a collection model to predict roll-forward probability and led recovery analysis that improved recoveries from defaulted loans by 2.2 percent.

Across Wells Fargo, Equifax Inc., and Modelytics India Pvt Ltd., I worked on consumer lending model monitoring, application score models, propensity models, and direct mail campaign models. My work has covered the loan journey, from data extraction and feature creation through model validation and monitoring.

Experience

Work history, roles, and key accomplishments

Current

Senior Data Scientist

Current

Paytm

Aug 2023 - Present (3 years 3 months)

Led development of behavioral scorecard models using XGBoost and roll rate analysis. Developed risk policies that reduced GCL by 22 bps and strategies for new-to-credit customers.

XGBoost Python PySpark K Means CHAID Risk Modeling Feature Engineering Batch Scoring

Associate

Goldman Sachs - Marcus

Oct 2022 - Aug 2023 (10 months)

Developed collection models to predict roll forward from 30+ to 60 DPD using XGBoost, Random Forest, and Logistic Regression. Led recovery analysis and developed strategies that improved recoveries by 2.2%.

XGBoost Random Forest Logistic Regression Machine Learning Collections Recovery Strategy Development

Senior Risk Analytics Consultant

Wells Fargo

May 2022 - Oct 2022 (5 months)

Managed monitoring of consumer lending models throughout the model lifecycle. Automated model monitoring reports and facilitated migration of models from SAS to Python.

Model Monitoring SAS Python Automation Consumer Lending Risk Analytics

Senior Consultant

Equifax Inc.

Jan 2020 - Apr 2022 (2 years 3 months)

Led automotive and PL modeling projects, developing application score models with reject inferencing. Developed propensity-to-buy models using neural networks and optimized Hive queries for batch scoring.

Machine Learning Neural Networks Hive SQL Reject Inference Propensity Modeling Automotive Consumer Lending

Consultant

Modelytics India Pvt Ltd.

Feb 2017 - Dec 2019 (2 years 10 months)

Developed end-to-end statistical models including logistic regression and direct mail campaign models. Built dashboards in Qlikview to track model performance and portfolio changes.

Logistic Regression Data Extraction Feature Engineering Model Validation Qlikview Direct Mail Campaigns