M S M Murty
Bengaluru
Summary
Accomplished and forward-thinking Data Scientist with an 8-year track record in the banking sector, demonstrating expertise in large corporate credit, retail banking, and data science. Proficient in Data Analytics, AI/ML, SQL, Power BI, and Azure ML cloud. Recognized as a Certified Scrum Master and Azure Certified Data Scientist. Successfully served as a Branch Manager in Branch Banking, showcasing leadership and management capabilities. Recently earned a Master's degree in Data Science from Liverpool John Moores University, specializing in 'Stock Price Prediction Using Time Series Forecasting,' with a noteworthy merit performance. Holds a Postgraduate Diploma in Data Science from IIIT-Bengaluru and a Bachelor of Technology in Electrical Engineering. Proven ability to deploy ML models effectively in real-world banking scenarios, blending theoretical knowledge with practical insights for strategic decision-making. Adept at integrating traditional banking practices with cutting-edge data science, bringing a unique perspective to drive innovation and efficiency.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Data Scientist
Canara Bank
05.2015 - Current
- Pioneered data-driven initiatives, designing and implementing end-to-end machine learning solutions using SAS, Python, SQL, Azure ML cloud, Power-BI etc., Time Series Forecasting Model Development
- Developed and deployed a ground-breaking time series forecasting model for key business parameters, adopting a multi-level hierarchy approach, a first-of-its-kind in public sector banks
- Automated the model for a daily refresh cycle, ensuring real-time accuracy and relevance
- Integrated the model output into a Power BI dashboard for consumption by field units and top management, facilitating strategic planning
- Business Use Case Identification and Implementation (Project Management)
- Led the successful implementation of Top level governance committee on Analytics, resulting in augmentation of Business exclusively through analytics, and earning recognition for excellence
- Headed team has identified and implemented close to 70 business use cases for cross-selling various products and services in the bank
- Achieved an impressive conversion rate of analytical use cases close to 8%, significantly impacting cross-selling success, notably in retail products segment
- Implemented use cases related to Data Quality, improving the Data Quality Index (DQI) across relevant datasets
- Training and Integration
- Trained field units on the usage of analytical products, ensuring effective adoption and utilization across the organization
- Oversaw the integration of external data with ML models and automated pipelines, enhancing the sophistication of analytical processes
- Explored areas of Generative AI through collaborations and Proof of Concepts (POCs), contributing to ongoing innovation efforts
- Collaborated closely with cross-functional teams to define business requirements, extracting actionable insights from complex data sets, and presenting findings to senior leadership.
Retail Banking
Canara Bank
06.2018 - 04.2022
- Credit Management in Retail Loan Processing Center
- Successfully underwrote various retail loans including housing, vehicle, mortgage, and education loans, ensuring compliance with regulatory and internal guidelines
- Led efforts to enhance customer satisfaction and service while contributing to business growth
- Achieved a remarkable reduction in Turnaround Time (TAT) for the sanction of Home Loans to a minimum of 3 days, streamlining the loan processing workflow
- Streamlined data processes, reducing operational inefficiencies through the implementation of advanced MIS techniques at RLC level
- Overall Branch Management
- Directed overall business operations, compliance, and management of the branch, ensuring adherence to regulatory standards and achieving business targets
- Implemented strategic initiatives to drive business growth, enhance customer experience, and optimize operational efficiency
- Led a team of professionals, fostering a collaborative and high-performance work culture to achieve organizational objectives.
Large Corporate Credit
Canara Bank
05.2015 - 05.2018
- Credit Review-Compliance and Audits
- Reviewed corporate sanctions made by regional offices and circle offices, ensuring strict compliance with internal and regulatory guidelines
- Spearheaded the closure of stock audit files for corporate borrowers, providing comprehensive appraisals to top management
- Coordinated and facilitated the completion of legal audits for eligible accounts at branches, ensuring adherence to legal and regulatory requirements
- Responsible for preparing insights to appraise the Board of Directors on Special Mentioned Assets (SMA) position
- Developed and presented strategies for mitigating SMA risks, providing valuable insights for informed decision-making.
Education
Master of Science in Data Science -
Liverpool John Moores University
08.2023
Postgraduate Diploma in Data Science -
International Institute of Information Technology (IIIT)
03.2022
Bachelor of Technology in Electrical Engineering -
Jawaharlal Nehru Technological University
04.2012
Skills
- Data Analytics
- Time Series Forecasting
- Machine Learning
- SQL
- Python
- Feature Engineering
- Power BI
- Data Visualization
- AI/ML on Azure Cloud
- Statistical Analysis
- Predictive Modelling
- Big Data Analytics
- Certified Scrum Master
- Agile Methodologies
- Leadership quality
- Effective usage of technology driven tools
- MS Office notably Excel, Word & Power-Point
- Data-Driven Decision Making
- Collaboration Skills
- Innovative Problem-Solving
- Adaptability
- Effective Communication
- Leadership and Management
- Continuous Learning
- Data Mining
- Business Forecasting
- Agile Framework Understanding
- Performance Data Synthesis
- SQL Databases
- Sentiment Analysis
- Time Series Analysis
- Data Acquisitions
- Data Science Research Methods
Websites
Certification
- Certified Scrum Master, 2023
- Azure Certified Data Scientist, 2023
- Certificate in Commercial Credit – Moody’s Analytics, 2020
- Certified Credit Professional- IIBF, 2017
- Certificate in Corporate Banking-IIBF, 2017
- Certified Associate of Indian Institute of Bankers-IIBF, 2016
Weaknesses
- Overcommitting
- Impatience with Inefficiency
- Self-Critical
- Delegation Challenges
- Occasional Overthinking
Training
- Business Analytics and Machine Learning, 2024, National Institute of Bank Management (NIBM), Pune, Dr. Alka Vaidya, Dr. Gargi Sanati, Dr. Sanjay Basu, Dr. Arindham Bandyopadhyay, Multivariate Model Validation, Descriptive Analytics, Cross Section Multivariate Analysis, Multivariate Regression, Time Series and Stationarity Test, Supervised and Unsupervised ML, Logistic Regression and Decision Trees, VaR Methods, Risk Loss analysis, Bank performance Analysis, Monte Carlo Simulation, Structural VaR in Financial Data Analysis
- Advanced Machine Learning, 2023, Institute for Development and Research in Banking Technology (IDRBT), Hyderabad, Dr. Vadlamani Ravi, CRM, Explainable AI, Reinforcement Learning, Federated learning, Privacy preserving, Adversarial ML, Realtime Model Deployment using Kubernetes
Timeline
Retail Banking
Canara Bank
06.2018 - 04.2022
Data Scientist
Canara Bank
05.2015 - Current
Large Corporate Credit
Canara Bank
05.2015 - 05.2018
Master of Science in Data Science -
Liverpool John Moores University
Postgraduate Diploma in Data Science -
International Institute of Information Technology (IIIT)
Bachelor of Technology in Electrical Engineering -
Jawaharlal Nehru Technological University