Ayush Mishra
Driving business impact through AI & ML solutions | Data Scientist @Virtusa
- Role
- Data Scientist at Virtusa
- Location
- Delhi, DL, IN
- LinkedIn followers
- 500 followers
About Ayush Mishra
Hello! I am Ayush Mishra, a Data Scientist with over 5 years of experience in developing…
Experience
Data Scientist
May 2025 — Present
At Virtusa, I have been leading and contributing to multiple high-impact initiatives at the intersection of data science, AI, and corporate banking technology:1. Trade Asset SelldownBuilt and optimized workflows for expected loss and RAROC/K (risk-adjusted return on capital) integration.Designed API-driven pipelines with CRM real-time data ingestion to streamline trade asset sales.Delivered risk metrics automation, ensuring more transparent decision-making in portfolio transfers.2. Underwriting Memos AutomationDesigned GenAI-powered frameworks to auto-generate corporate banking underwriting memos.Integrated LangChain/LangGraph agents to extract borrower, transaction, and financial overviews directly from structured and unstructured data.Ensured consistency with regulatory templates while reducing manual turnaround time.3. Early Warning System (EWS) for Corporate/SME PortfoliosBuilt a multi-signal EWS combining triggers like DPD drift, utilization spikes, cash-flow anomalies, covenant breaches, bureau alerts, and sector stress.Developed ensemble scoring (GBM + autoencoders) with calibrated thresholds to balance precision/recall; integrated case creation directly in CRM.Delivered risk heatmaps & alerting via FastAPI services on Azure; enabled proactive collections/relationship actions weeks earlier than legacy rule sets.
Education
NIT Silchar
M.tech, Artificial Intelligence
Bharati Vidyapeeth's College of Engineering
Bachelor of Technology - BTech, Electronics and Communication Engineering
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