Kunal Kulkarni
National Lead Data Science @ABC - Aditya Birla Housing Finance Limited
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WORK HISTORY
National Lead Data Science @ABC - Aditya Birla Housing Finance Limited
Leads the Collection and Risk Analytics team, providing support, guidance, and strategic data science expertise to ensure the successful delivery of decision intelligence to our customers.Regularly mentors a team of data scientists by sharing expertise and providing support to facilitate their professional development.Manages stakeholders by comprehensively understanding business problems and delivering optimal solutions.Manages vendors across multiple campaigns, ensuring seamless coordination and optimal performance-Designing and implementing behavioral and application scorecards for various delinquency stages of a home loan portfolio, focusing on data collection, feature engineering, model development, deployment, monitoring, and compliance-Develop a ML model using historical loan data to predict pre-delinquency, providing probabilistic outputs indicating the likelihood of upcoming bounce, which can help to build proactive risk management strategies-Create an integrated solution using multiple propensity models to allocate delinquent portfolios for different collection treatments, such as re-banking, self-cure tendency, & addressing difficult cases, optimizing strategies for effective debt recovery-Utilize a machine learning algorithm to develop a customer propensity model for predicting the likelihood of successful charges collection, leveraging features such as payment history, customer demographics, and past charge behaviors-Design a bureau-based scorecard tailored to different customer segments, leveraging credit bureau data and customer characteristics to identify early warning signs of potential delinquency, facilitating the development of an EWS for risk management-Effectively manage complex data by extracting and transforming internal and external information to construct customer patterns / features,enabling comprehensive analysis for informed decision-making-Performance of scorecard models over time to ensure quality outputs.
EDUCATION
Savitribai Phule Pune University
Master's degree
SKILLS
ABOUT KUNAL KULKARNI
Experienced Manager with a demonstrated history of working in the information technology…
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