Ankur Kumar
Data Scientist at L&T Financial Services l IIT Bombay \'23 | M.Tech
- Role
- Data Scientist at L&T Finance
- Location
- Aligarh, UP, IN
- LinkedIn followers
- 500 followers
Experience
Data Scientist
Jul 2023 — Present · Mumbai, IN
Working on credit risk model development and portfolio analytics to drive data-backed lending strategies across rural and retail finance segments. Developed a Leverage Propensity Model using millions of bureau records and features; implemented LGBMClassifier with Optuna-based tuning. Built robust feature engineering pipelines using IV scoring, bivariate analysis, and correlation matrices to improve model accuracy and interpretability. Conducted advanced analytics on household-level behavioral patterns, transforming data points into actionable insights for delinquency prediction and loan cross-sell strategies. Delivered monthly portfolio health monitoring dashboards, tracking MoM delinquency, collection efficiency, and risk trends across geographies and products. Collaborated with credit policy, product, and business teams to translate models into automated underwriting decisions and data-driven acquisition strategies. Technologies: Python, SQL, Scikit-learn, LightGBM, Optuna, Pandas, BigQuery, GCP, VertexAI, Excel, Tableau
Find verified contacts for anyone on LinkedIn
Unifers gives sales teams verified emails and direct dials, enriched profiles, and outreach that lands in the inbox.
Free plan included · No credit card required
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.