Summary
Overview
Work History
Education
Skills
Timeline
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RITESH KUMAR

Jaipur

Summary

Data-driven analytics professional with 7 years of experience, specializing in machine learning, credit risk modeling, and fraud detection within the lending industry. Proven track record of building predictive models utilizing credit bureau data (TransUnion, Equifax, Experian ) to enhance underwriting decisions and optimize loan acquisition strategies. Committed to leveraging AI and data analytics for driving business growth and maximizing portfolio performance.

Overview

8
8
years of professional experience

Work History

Data Scientist

Essential Lending
Texas
03.2023 - Current

Company Overview : Operation in providing short-term lending solutions tailored for subprime customers.

  • Created advanced AI-driven credit assessment tools with bureau inputs, contributing to a 15% reduction in default rates.
  • Leveraged predictive analytics to streamline underwriting procedures, boosting loan approval speed by up to 30%.
  • Increased Direct Mail ROI by 10% through refined lead prediction mechanisms.
  • Refined lead assessment methods, increasing conversion rates by 12%.
  • Evaluated loan portfolio metrics to uncover growth segments aligned with seasonal patterns.

Data Analyst

BAKERi Retail Sciences
Gurugram
11.2022 - 03.2023

Company overview : Enhancing digital marketing strategies through advanced data science methodologies.

  • Established interactive reporting systems for streamlined eCommerce metric analysis.
  • Generated insights from data through ML techniques to optimize weekly financial predictions.
  • Refined forecasting processes through detailed analysis of consumer activities and purchase trends.
  • Examined purchasing patterns to draw useful conclusions.
  • Utilized Google BigQuery for extracting, cleaning, and analyzing large datasets.

Process Analyst

Parle Biscuits Pvt. Ltd.
Neemrana
01.2017 - 08.2021

Company Overview: Parle Products is an Indian multinational food corporation, which makes biscuits and confectionery products

  • Used data-driven strategies to optimize OEE by 20%.
  • Conducted data analysis to identify trends and irregularities, ensuring ongoing improvements.
  • Utilized SAP for gathering large datasets to enhance decision-making in manufacturing.
  • Designed methods for reducing production waste by 2% and improving resource allocation.
  • Achieved 0.2% reduction in biscuit wastage, driving measurable cost efficiency.
  • Crafted detailed reports aimed at reducing manufacturing expenses.

Education

Post Graduate Program - Data Science & Engineering

Great Learning
10-2022

Bachelor of Science - Applied Statistics

Sunrise University
04-2017

Skills

  • Language -> Python, SQL, Power Query
  • Framework -> Numpy, Pandas, Scikit-Learn, Seaborn, Matplotlib
  • Statistical & Mathematical Modeling -> Probability, Hypothesis Testing
  • Tools -> Jupyter Notebook, Looker Studio, SSMS, Data Robot, MySQL, MS Excel, Power BI
  • Machine Learning -> Regression, Clasification, Boosting ( GBM, XGBoost, LightGBM, CatBoost )

Timeline

Data Scientist

Essential Lending
03.2023 - Current

Data Analyst

BAKERi Retail Sciences
11.2022 - 03.2023

Process Analyst

Parle Biscuits Pvt. Ltd.
01.2017 - 08.2021

Post Graduate Program - Data Science & Engineering

Great Learning

Bachelor of Science - Applied Statistics

Sunrise University
RITESH KUMAR