Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Coursework
Projects
Timeline
Generic

Harshit Joshi

Credit Risk Analyst
Bengaluru,KA

Summary

Dedicated and analytical Credit Risk Analyst with 1 year of experience. Equipped with strong educational background holding masters degree in Computer Science from Indian Statistical Institute. Proficient in machine learning and data analysis, with proven sills in improving risk assessment models.

Seeking to transition into data science role to leverage and expand expertise in data driven decision-making.

Overview

5
5
years of professional experience

Work History

Credit Risk Analyst

Standard Chartered Bank
7 2023 - Current

Loss Forecasting

  • Conducted Loss forecasting for one of the bank's portfolios and collaborated with the team to automate the loss forecasting process
  • The employed methodology aids businesses in formulating strategic decisions for the future.
  • Identified potential risks by analyzing trends in industry-specific data and market fluctuations.

Model Development

  • Developed an EAD model for a bank portfolio to estimate exposure at borrower default.

Responsibilities:

  • Analyzed historical loan data to identify risk factors.
  • Implemented a statistical model for EAD estimation.
  • Validated and integrated the model into the bank's risk management framework.

Internship

RWX Technologies
05.2019 - 07.2019
  • "DATA STRUCTURES AND ALGORITHMS" and "MACHINE LEARNING".
  • Project on Car Classification and Review Classification using machine learning under the mentorship of Dr.Ankush Mittal (IIT Delhi).

Education

Master of Science - Computer Science

Indian Statistical Institute (ISI)
Kolkata, India
04.2001 -

Bachelor of Science - Computer Science

College of Engineering Roorkee
Roorkee, Uttarakhand
04.2001 -

Class XII - undefined

Hermann Gmeiner School

Class X - undefined

Maharishi Vidya Mandir

Skills

Programming languages: C,C,Java,Python,R,SAS,SQL

Accomplishments

  • Secured AIR 30 in Indian Statistical Institute(ISI) entrance exam 2021
  • Nominated for best thesis in M.Tech Computer Science
  • Secured 96.41 percentile in GATE CS 2021
  • Rating of 3 star at Codechef(id-harshit740)

Coursework

  • Data Structures and Algorithms
  • Machine Learning, Neural Networks and Information Retrieval
  • Statistics and Probability
  • Operating Systems and Database Management Systems

Projects

Modeling earthquake richter and impacts

  • Developed predictive models to assess and predict earthquake damage grades, aiming to improve disaster response and preparedness. Focused on identifying key factors such as earthquake magnitude, depth, location, and building characteristics.
  • Implemented and compared the performance of various classifiers like Logistic Regression, Random Forest, SVM and LightGBM to determine the most effective model. Evaluated models based on accuracy, precision, recall, and F1-score, identifying key predictors of earthquake damage and developing a robust model to aid in disaster management and mitigation strategies.

Reconstruction Of Photoacoustic Images Using Sparse 

  • Enhanced the quality of photoacoustic images by developing deep learning techniques to remove artifacts caused by sparse data acquisition, improving medical diagnostic accuracy.
  • Developed and implemented a Modified U-Net and a Modified GAN architecture, achieving promising results in artifact removal and image reconstruction compared to state-of-the-art algorithms.

Personalized Email Response System 

  • Developed a deep learning model to automate personalized email responses, enhancing customer service efficiency.
  • Developed personalized,context-aware responses using advanced NLP.
  • Fine-tuned a pre-trained T5 model using the Hugging Face Transformers library ,configured and optimized training parameters for improved model performance.

Timeline

Internship

RWX Technologies
05.2019 - 07.2019

Master of Science - Computer Science

Indian Statistical Institute (ISI)
04.2001 -

Bachelor of Science - Computer Science

College of Engineering Roorkee
04.2001 -

Credit Risk Analyst

Standard Chartered Bank
7 2023 - Current

Class XII - undefined

Hermann Gmeiner School

Class X - undefined

Maharishi Vidya Mandir
Harshit JoshiCredit Risk Analyst