Vishal Kumar

Leading the data science and credit risk function for Tamara's MSME lending launch, building the underwriting stack from zero across KSA and UAE markets. Architected and built the Tamara Scoring Engine.

Led an 8-member data science team driving credit underwriting, growth, fraud detection, and onboarding intelligence for merchant lending. Built a merchant-lender recommendation engine, behavioural churn models, and image-similarity fraud detection systems.

Led credit risk modelling for personal loans and MSME lending, powering ₹1,000+ crore monthly disbursals with scalable machine learning pipelines. Built fraud detection models, application scorecards, and risk-adjusted pricing models.

Led credit risk modeling for unsecured personal and auto loans in subprime and near-prime segments, building scalable underwriting and portfolio management solutions. Integrated alternative data and deployed real-time underwriting models via Flask APIs.

Developed end-to-end ML solutions for credit card risk management, customer strategy, and revenue optimization. Built churn prediction, credit limit management, and demand forecasting models, achieving 45% higher accuracy.

M.Tech in Computer Technology with a focus on Cognitive and Intelligent Systems. Thesis on Brain Tumor Segmentation using SegNet and U-Net CNNs.