SACHIN S KUNDER
Bangalore
Summary
Data Scientist with over 8 years of experience in the banking and financial services domain, specializing in predictive modeling, risk analytics, and process optimization. Proven track record of designing and deploying machine learning solutions—including credit risk, recovery, and propensity models—that drive measurable business impact, and regulatory compliance. Expert in Python and SQL, with a deep focus on transforming complex datasets into strategic assets for senior management.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Data Scientist
Ujjivan Small Finance Bank
Bangalore
02.2019 - Current
- Credit Risk & Portfolio Modeling: Engineered a Vehicle Finance Representation Model using Random Forest, achieving a 90% ROC and an 80% catch rate within the top 30% of the population.
- Delinquency Forecasting: Developed recovery and DPD (Days Past Due) prediction models for high-risk buckets (360-720 DPD), utilizing Random Forest to optimize recovery strategies and forecast the probability of default.
- Behavioral Propensity Models: Designed and implemented a Propensity-to-Pay (PTP) ML model to predict customer repayment behavior within three days post-bounce, directly increasing the On-Time Repayment Ratio (OTRR).
- Strategic Analytics & Compliance: Architected a PSL (Priority Sector Lending) disbursement ecosystem and Tableau dashboard to ensure RBI compliance while providing geospatial business insights.
- Operational Optimization: Led a Regional Credit Center analysis that reduced Turnaround Time (TAT) for loan processing through data-driven bottleneck identification.
- Infrastructure Efficiency: Evaluated and optimized SSRS reporting architecture, resulting in a 23% reduction in redundant reports, and a 30% decrease in server load through query optimization.
- Cross-Functional Leadership: Collaborated with Credit, Finance, and Compliance teams to automate over 100 business-critical processes and regulatory reports.
Associate Software Engineer
Accenture India Pvt Ltd
Bangalore
07.2014 - 05.2016
- Data Automation: Developed and optimized complex SQL scripts and stored procedures to automate recurring sales and inventory reports, significantly reducing manual effort.
- Business Intelligence: Conducted data analysis to identify product sales trends and customer behavior patterns, improving operational efficiency.
- Backend Development: Maintained and optimized database objects, including Tables, Views, and Stored Procedures, to ensure high data integrity and performance.
Education
Bachelor of Engineering - Computer Science
University Visveswaraya College of Engineering
Bangalore06-2014
Skills
- Data visualization with Tableau
- Machine learning
- Statistical analysis
- Model validation
- Risk management
- Predictive analytics
- Problem solving
- SQL Server
- SSRS for reporting
Certification
Microsoft Azure Data Scientist Certification from Simplilearn
Timeline
Data Scientist
Ujjivan Small Finance Bank
02.2019 - Current
Associate Software Engineer
Accenture India Pvt Ltd
07.2014 - 05.2016
Bachelor of Engineering - Computer Science
University Visveswaraya College of Engineering