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
Mumbai01.2018
Diploma - Electronics Engineering
Government Polytechnic
Mumbai01.2015
Skills
Programming & Tools: Python, SQL, C, C, Matlab, Java, R, Shell Scripting
ML & AI: Predictive modeling, Scorecards, Decision Trees, Random Forests, Gradient Boosting, Ensembles, TensorFlow, PyTorch, Scikit-learn, Keras
Risk & Analytics: Credit risk modeling, Bureau analytics, Fraud detection, Scorecards (M/B), Risk Tiers (RT1–RT5), Vintage analysis, Exclusion waterfall, Multipliers
NLP & CV: BERT, NLTK, Gensim, Dialogflow, OpenCV, FaceNet, MTCNN
Visualization & Tools: Pandas, NumPy, Databricks, Tableau, Power BI, Plotly, Matplotlib, Seaborn
Cloud & Platforms: Azure, Google Colab, Databricks; Keywords: Model governance, Portfolio monitoring, Regulatory compliance, Underwriting
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