Divyang Sharma
Bangalore
Summary
Credit risk and decision science leader with 9+ years of experience delivering analytics, optimisation, and ML-driven strategy engagements for global financial institutions across APAC, MENA, Europe, and LATAM. Proven track record translating predictive models and quantitative frameworks into measurable commercial impact across credit risk, collections, customer decisioning, pricing, and portfolio growth strategies. Combines deep banking domain expertise with hands-on experience in machine learning, explainable AI, optimisation modelling, and scalable analytics delivery, alongside strong client advisory, presales, and cross-functional stakeholder leadership experience.
Overview
9
9
years of professional experience
Work History
Senior Lead Consultant
FICO (Fair Isaac Corporation)
Bangalore
01.2025 - Current
- Lead end-to-end credit line strategy engagements for a Swiss credit cards portfolio, projecting 16.7% profit uplift and 20% portfolio growth with no incremental risk exposure.
- Lead multi-country portfolio strategy engagements across banks in Mexico, Peru, and Colombia, overseeing solution design and delivery for retail lending portfolios.
- Optimised debt collection agency placement for a top-4 Turkish bank using propensity-to-pay modelling, improving late-stage recoveries by 12% and securing a 3-year recurring engagement through solution enhancement and platform renewal.
- Led presales engagements for two Japanese financial institutions, including scope definition, proof-of-concept development, solution design, and executive workshops; one engagement converted into a full programme delivery.
- Built portfolio growth and credit line management demonstrations for a major Japanese card issuer, supporting strategic client acquisition initiatives.
- Developed collections strategy demonstrations for a leading Indian private bank, contributing to new business development efforts.
- Built a strategy delivery accelerator framework that reduced implementation turnaround time by 30%
- Led the design of KPI and ROI tracking dashboards to strengthen client performance monitoring and internal value demonstration.
Lead Consultant
FICO (Fair Isaac Corporation)
Bangalore
01.2022 - 01.2025
- Delivered credit strategy and loan pricing engagements for leading banks in India and Peru, including credit line management, pricing simulations, and analytics capability building for client teams with audiences of up to 170 participants.
- Delivered collections strategy transformation for a major Brazilian bank, reducing losses by 9% and operational requirements by 18% through workflow automation and prioritisation strategies.
- Delivered credit line strategy for a top-4 Turkish bank using mathematical optimisation frameworks, contributing to a 45% increase in credit card approvals, 60% growth in approved limits; recognised through the FICO Decisions Awards 2022.
- Led development of the delivery teamʼs first neural network-based credit risk acquisition scorecard for a major Australian telecommunications provider, establishing an explainable ML framework later adopted for transaction risk modelling for multiple clients.
Analytics Consultant I & II
FICO (Fair Isaac Corporation)
Bangalore
01.2017 - 01.2022
- Developed and validated credit risk models across international markets, including behavioural scorecards for a Malaysian bank and originations risk models for a Dominican Republic bank using logistic regression and WoE/ IV methodologies.
- Delivered end-to-end modelling activities covering data validation, binning, vintage analysis, roll-rate analysis, reject inference, feature reduction, scorecard fitting, and score scaling.
- Implemented IFRS 9 / ECL reporting solutions for banks in the UAE across retail and corporate portfolios, supporting regulatory impairment reporting and portfolio monitoring.
- Supported model validation and credit line strategy initiatives for a leading Latin American bank, including PSI analysis, Gini diagnostics, and portfolio stability assessment.
- Built internal accelerator applications for loan offer strategy and deposit pricing simulations, reducing delivery effort and improving scalability across recurring client engagements.
- Developed SAS-based IFRS 9 model components for Latin American financial institutions and supported flow-of-funds optimisation initiatives for a major Australian bank; contributions were subsequently integrated into enterprise impairment modelling frameworks.
- Expanded team optimisation capabilities through self-driven training in mathematical programming frameworks and facilitation of internal knowledge transfer sessions.
Education
Integrated Masters (BSc + MSc) - Physics
Indian Institute of Technology
05-2017
Higher Secondary Examination - undefined
01-2012
Secondary Examination - undefined
01-2010
Skills
- Risk Modelling
- Behavioural Scorecards
- Origination Scorecards
- Model Validation
- IFRS9 PD Models
- ECL Implementation
- Causal Models
- Leadership
- Cross-geography Project Delivery
- Presales & POC Delivery
- Client Training
- 1-on-1 Mentorship
- Decision Strategy
- Collections Optimisation
- Agency Placement
- Credit Limit Management
- Deposit Pricing Optimisation
- Loan Originations Pricing
- Propensity Modelling
- Technical
- Python
- MySQL
- SAS
- Mosel
- FICO Decision Management Platform
- Scikit-learn
- TensorFlow
- LangChain
- Java
Awards
- 1st Place - Analytics Hackathon, FICO (Global Analytics Delivery), 2021, Built an optimisation-platform app using a ML pipeline to reduce turnaround time for IFRS9 PD model delivery using a chain ladder approach, supporting both logistic regression and ML model training modes.
- 2nd Place - FICO Hackathon, FICO, 2019, Built an ML-powered audio classification app to identify the artist of an uploaded MP3/WAV file, applying ML techniques in a novel domain.
- Spot Awards, FICO (Global Analytics Delivery), 2012-2021, Received 16 Spot Awards over 9 years at FICO in recognition of outstanding contributions to analytics project delivery and client impact.
- STEM Internship Scholarship, Nanyang Technological University, Singapore, 2016
- KVPY Scholarship, Department of Science and Technology, India, 2012
Timeline
Senior Lead Consultant
FICO (Fair Isaac Corporation)
01.2025 - Current
Lead Consultant
FICO (Fair Isaac Corporation)
01.2022 - 01.2025
Analytics Consultant I & II
FICO (Fair Isaac Corporation)
01.2017 - 01.2022
Integrated Masters (BSc + MSc) - Physics
Indian Institute of Technology