Bhavin S.
Associate Director Product Manager @Moody's Analytics
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WORK HISTORY
Associate Director Product Manager @Moody's Analytics
London, GB
Leading two strategic initiatives across climate risk analytics and AI-driven credit decisioning. Managing the development and integration of Climate Risk Model, enabling financial institutions to assess and manage climate exposure across lending portfolios. The model incorporates physical risk, transition risk, probability of default (PD), and climate-adjusted financial forecasting, alongside ESG and carbon emissions integration.Also driving the end-to-end delivery of Moody’s award-winning Automated Credit Memo platform — a GenAI-powered solution transforming commercial credit underwriting. Leveraged advanced technologies including large language models (LLMs), retrieval-augmented generation (RAG), Azure Document AI, and enterprise NLP to reduce memo generation time by over 60%. Collaborated cross-functionally with product, engineering, and data science teams to build scalable, explainable AI workflows. Key areas of focus include prompt engineering, multi-document parsing, financial reasoning and integration of structured risk data, delivering measurable impact across global banking clients.
EDUCATION
University of Mumbai
Bachelor’s Degree, Information Technology
Hult International Business School
Master of Business Administration - MBA, Finance and Financial Management Services
ABOUT BHAVIN S.
AI Product Leader in Financial Services with over 10 years of experience building data driven platforms across global banking, fintech, and financial risk analytics organisations.Currently Associate Director, Product Manager at Moody’s, where I lead the development of AI powered products that transform credit decisioning and climate risk analysis for financial institutions worldwide.I spearheaded the development of Moody’s Automated Credit Memo, a Generative AI driven platform that leverages large language models, retrieval augmented generation, and advanced document intelligence to automate commercial credit underwriting. The solution significantly reduced credit memo preparation time while improving decision transparency and consistency, and received the 2024 FinTech Breakthrough Award for Business Lending Innovation.I also lead the development of Moody’s Climate Risk Model, integrating technologies from RMS and EDFX to help banks assess physical and transition climate risks across lending portfolios. The platform enables financial institutions to quantify climate exposure, emissions impact, and probability of default under multiple climate scenarios.Prior to Moody’s, I delivered large scale financial technology platforms across organisations including Charles Schwab, Santander, and Wells Fargo. My work has included building investment platforms, fraud risk systems, and digital banking capabilities that serve millions of users and support complex regulatory environments.My focus is on building scalable AI products at the intersection of finance, data, and technology by partnering closely with engineering, data science, and business stakeholders.Areas of expertise includeAI and Generative AI product platformsCredit decisioning and financial risk analyticsClimate risk modelling and ESG analyticsEnterprise data and API platformsAI powered financial document analysisProduct strategy and platform developmentI enjoy working at the intersection of finance, data, and artificial intelligence to build platforms that enable global financial institutions to make better and faster risk decisions.
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