Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
BusinessAnalyst
Kiran Parte

Kiran Parte

Data Scientist
Mumbai,MH

Summary

Data Scientist & Risk Analyst with 6+ years in credit risk, fraud analytics, predictive modeling, and AI/ML. Skilled in Python, SQL, Databricks, scorecards, segmentation, and ML deployment.

Overview

7
7
years of professional experience

Work History

AVP - Risk Analyst

IndusInd Bank
06.2025 - Current
  • Led end-to-end risk segmentation and scorecard optimization for unsecured lending portfolios (credit cards, personal loans).
  • Designed and deployed B Score optimization strategy (decision tree segmentation, hard/soft exclusions, multiplier calibration).
  • Engineered risk tiering matrix (RT1–RT5) aligning application & bureau scores, improving underwriting precision.
  • Conducted vintage-based portfolio performance tracking across rental utilization buckets; defined early-warning indicators for delinquency.
  • Automated portfolio monitoring dashboards in Databricks (Python & SQL) for real-time visibility.
  • Collaborated with policy, credit & governance teams to translate analytics into approval strategy and risk appetite decisions.

Fraud Analytics Manager

HDFC Bank
07.2022 - 05.2025
  • Directed development of enterprise-level fraud analytics frameworks integrating graph analytics, bureau variables, and transactional behaviors.
  • Built high-precision fraud detection models (>85% hit rate) to identify mule accounts and reduce fraud losses.
  • Leveraged Neo4j & Python to detect transactional loops, circular rotations, and community linkages.
  • Designed & automated real-time fraud monitoring pipelines to flag abnormal spikes in account openings and unusual activity.
  • Developed behavioral risk variables across salary inflows, bureau profiles, and retail/commercial segments.
  • Operationalized fraud alerts with operations & compliance; presented outcomes to senior leadership.

Senior Data Scientist

Accolite Digital
08.2021 - 03.2022
  • Designed predictive models for medical research (cancer datasets) achieving >90% accuracy.
  • Implemented feature engineering, dimensionality reduction & hyperparameter tuning for robust models.
  • Built interactive dashboards (Tableau/Power BI) for clinical researchers and stakeholders.

Embedded Python Developer

Candor Solutions
09.2018 - 07.2021
  • Deployed ML & computer vision models on embedded IoT platforms for low-latency applications.
  • Built AI-powered CV modules for surveillance, robotics, and automation.
  • Developed integration frameworks that reduced deployment time and improved reliability.

Machine Learning Trainer (Part-Time)

Ntech Global Solutions
01.2019 - Current
  • Delivered hands-on training programs in Python, ML & data science; mentored cohorts on end-to-end projects.
  • Focused sessions on credit risk modeling, fraud detection, and computer vision applications.

Education

B.E. - Electronics & Telecommunication Engineering

VESIT
Mumbai
01.2018

Diploma - Electronics Engineering

Government Polytechnic
Mumbai
01.2015

Skills

Programming & Tools: Python, SQL, C, C, Matlab, Java, R, Shell Scripting

Accomplishments

  • 2nd Prize, SRISHTI 2017 – Semi-Autonomous River Cleaning Robot (100+ teams)
  • 1st Prize, EXPANSION 2016; 2nd Prize, VESRC 2017 – Technical Project Competitions
  • Swami Vivekanand Youth Inspiration Award (2017) – Leadership & Innovation

Timeline

AVP - Risk Analyst

IndusInd Bank
06.2025 - Current

Fraud Analytics Manager

HDFC Bank
07.2022 - 05.2025

Senior Data Scientist

Accolite Digital
08.2021 - 03.2022

Machine Learning Trainer (Part-Time)

Ntech Global Solutions
01.2019 - Current

Embedded Python Developer

Candor Solutions
09.2018 - 07.2021

B.E. - Electronics & Telecommunication Engineering

VESIT

Diploma - Electronics Engineering

Government Polytechnic
Kiran ParteData Scientist