Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic
TIJO KOTTADYIL THOMAS

TIJO KOTTADYIL THOMAS

Data Scientist - 1
Mumbai,MH

Summary

I am a Data Scientist with over two years of experience in the BFSI sector, specializing in predictive analytics, fraud detection, and customer behavior modeling. My work focuses on driving actionable insights through machine learning, optimizing processes, and building scalable solutions using cloud platforms like AWS, GCP, and Azure. Passionate about solving business challenges with data, I thrive in delivering impactful results and innovative solutions.

Overview

3
3
years of professional experience
4
4

Certifications

Work History

Data Scientist

Edelweiss Life Insurance
Mumbai
11.2022 - Current

Agent Activation Project:
• Engineered an XGBoost model with incremental learning that boosted agent activation rates by 35.15%
• Implemented targeted intervention strategy capturing 77.59% of potential activations by focusing on top 30% agents
• Doubled resource allocation efficiency through data-driven agent prioritization
Risk Analytics & Fraud Detection:
• Led model recalibration initiatives for fraud detection model using LightGBM, resulting in improved decile capture and successfully identifying 68% of fraudulent claims upfront, generating INR 93Cr ROI
Cross-Sell / Up-Sell Model Development:
• Created a cross-selling model to identify complementary product opportunities for existing customers
• Implemented a comprehensive model monitoring system to track model drift to trigger alert through AWS SES when re-calibration needed
Customer Analytics and Retention:
• Developed multi-class classification model predicting premium payment patterns through 25 months, improving persistency ratio to 70%.

Machine Learning engineer

Quantiphi Analytics
Mumbai
01.2022 - 09.2022
  • Contributed to Quantiphi's Innovation Hub on project QognitionAI, building MLOps pipelines across on-prem cloud
  • AWS, GCP, and Azure, and containerized solutions using FastAPI on GCP
  • Performed object detection and sentiment analysis experiments using Hugging Face models, and researched a question answering use case for eCommerce, implementing Haystack's retriever-reader architecture for subjectivity handling

Data Science and Business Analytics Intern

The Sparks Foundation
Mumbai
02.2021 - 04.2021

Developed a simple web app to predict the marks of a student based on the no of study hours using simple linear regression, HTMl, CSS and Flask

Education

Computer Engineering

Fr Conceicao Rodrigues College of Engineering
University Of Mumbai
01.2018 - 06.2022

Skills

  • Machine Learning: Regression, Classification, Decision Treees, Random Forest, Gradient Boosted Machines, Deep Learning
  • Cloud & Infrastructure: AWS (Lambda, S3, SageMaker, SNS, Step Function), GCP, Azure, Docker, MLflow, REST APIs
  • Languages & Tools: Python, SQL, Sklearn, Pandas, NumPy, TensorFlow, SHAP
  • Specialties: Propensity Modelling, Customer analytics, Risk Analytics, Fraud Detection, Cross-Selling, Feature Engineering , Credit Risk Modelling

Certification

  • Microsoft Certified, Azure Data Scientist Associate - Microsoft.
  • Google cloud Associate cloud engineer - GCP
  • Credit Risk Modelling in Python
  • Machine Learning with Python

Timeline

Data Scientist

Edelweiss Life Insurance
11.2022 - Current

Machine Learning engineer

Quantiphi Analytics
01.2022 - 09.2022

Data Science and Business Analytics Intern

The Sparks Foundation
02.2021 - 04.2021

Computer Engineering

Fr Conceicao Rodrigues College of Engineering
01.2018 - 06.2022
TIJO KOTTADYIL THOMASData Scientist - 1