Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic
GAURAV SAGAR

GAURAV SAGAR

Chennai

Summary

Seasoned credit risk analytics expert with over 10 years in the Fintech industry. Successfully managing multi-billion-dollar credit portfolios while implementing data-driven strategies to enhance risk management. Proficient in utilizing analytics for effective decision-making and operational efficiency. Experienced in leading transformation projects and navigating macroeconomic and geopolitical changes.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Staff Data Scientist

PAYPAL
Chennai
04.2025 - Current
  • Managing a $10B revolving credit portfolio for the UK market, controlling credit risk and ensuring financial health for 3.5M customers
  • Built and deployed credit strategies using new underwriting decisioning models improving lending approval efficiency and accuracy
  • Guiding strategic credit policy adjustments using data-driven insights to maintain losses within defined risk appetite
  • Pioneering prudent affordability policies, including successful Open Banking Proof of Concept modernizing originations process

Data Scientist II

PAYPAL
Chennai
07.2022 - 03.2025
  • Formulated line testing methodologies using bespoke data models to forecast 18-month credit line utilization, identifying high/low utilization segments with neutral risk profiles
  • Developed comprehensive long-term risk projection framework integrating various metrics to predict 4-year Net Credit Losses (NCL), Revenue, and RAM across acquisition vintages
  • Spearheaded strategic overhaul utilizing PUMA models (internal data model incorporating Transunion, Equifax, and PayPal variables), generating additional $20M TPV while maintaining neutral risk stance

Data Scientist I

PAYPAL
Chennai
05.2020 - 07.2022
  • Shaped core acquisition strategy for PayPal Credit UK while optimizing credit policies to ensure vintage losses remained within risk parameters
  • Simplified complex credit policy validation methodology, enhancing accuracy in estimating RAM and NCL for each applicant
  • Drove multiple iterations of credit strategy using internal models, resulting in $12M acquisition loss mitigation

Senior Analytics Scientist II

GAIN CREDIT (FORMERLY GLOBAL ANALYTICS)
Chennai
10.2019 - 04.2020
  • Managed partnership team for new customer acquisition, contributing 60% of company's new business
  • Developed predictive models reducing credit data pull costs from various providers, saving £80K monthly
  • Implemented regression model optimizing conversion rates, saving £50K in monthly lead costs
  • Designed robust purchase strategy to acquire higher quality leads earlier than competitors, resulting in more new business at reduced default rates

Analyst II

GLOBAL ANALYTICS
Chennai
10.2016 - 09.2017
  • Conducted challenger-champion tests to improve customer acquisition and optimize marketing channel conversions
  • Created rules and alerts to minimize fraudulent/suboptimal activities from third-party lead providers
  • Collaborated onsite (London) with executive leadership on key strategic projects

Analyst I

GLOBAL ANALYTICS
Chennai
07.2015 - 09.2016
  • Developed portfolio management forecasts and profit estimations for various customer acquisition channels
  • Created high-quality dashboard reporting periodic channel performance summaries for leadership

Graduate Technical Intern

TRIMBLE INFORMATION TECHNOLOGY
Chennai
12.2014 - 07.2015
  • Revamped Android mobile app frontend with Material Design principles
  • Developed Android unit module tracking user movement and transmitting location data to proprietary device servers

Education

Bachelor of Technology (B.Tech.) - Information Technology

VIT - Vellore
Vellore
01.2015

Skills

  • Credit risk management
  • Data-driven decision making
  • SQL
  • Python
  • Data Modeling
  • Credit Risk Analysis
  • Statistical Modeling
  • Machine Learning

Certification

  • Google Advanced Data Analytics Professional
  • Programming
  • Data Structures and Algorithms

Languages

  • English, Native/Bilingual
  • Hindi, Native/Bilingual
  • French, Elementary

Timeline

Staff Data Scientist

PAYPAL
04.2025 - Current

Data Scientist II

PAYPAL
07.2022 - 03.2025

Data Scientist I

PAYPAL
05.2020 - 07.2022

Senior Analytics Scientist II

GAIN CREDIT (FORMERLY GLOBAL ANALYTICS)
10.2019 - 04.2020

Analyst II

GLOBAL ANALYTICS
10.2016 - 09.2017

Analyst I

GLOBAL ANALYTICS
07.2015 - 09.2016

Graduate Technical Intern

TRIMBLE INFORMATION TECHNOLOGY
12.2014 - 07.2015

Bachelor of Technology (B.Tech.) - Information Technology

VIT - Vellore

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