Mehul Patel
Data Scientist | Python, SQL | Machine Learning, AI | Credit Risk Strategy | UMN Carlson MSBA 2025
- Role
- Senior Credit Strategy Analyst at Lendingclub
- Location
- San Francisco, CA, US
- LinkedIn followers
- 500 followers
About Mehul Patel
Data Scientist & Business Analytics Professional | Passionate About AI, ML, & Data-Driven Decision Making MS in Business Analytics from the Carlson School of Management, University of Minnesota, with 4+ years of experience in data science, predictive modeling, and AI-driven analytics. Worked as a Data Scientist at Think360.ai, driving insights for financial, credit risk and retail analytics. Led cross-functional collaborations to implement machine learning solutions, improving decision-making efficiency. Experienced in Credit Risk Analytics, including borrower segmentation, transaction categorization, PD/EAD/LGD modeling, fraud propensity scoring, and affordability assessment. Designed end-to-end ML systems integrated with cloud-based decision platforms for real-time scoring. Developed an AI-powered SQL Query Assistant using LangChain, enhancing database interactions and streamlining query generation. Exploring Generative AI to enhance data understanding and model explainability, with experience fine-tuning LLMs for text annotation, document parsing, and intelligent automation across structured and unstructured datasets.Specialties: Machine Learning, GenAI for Business, Predictive Analytics, SQL Optimization, Cloud Platforms, Natural Language Processing, Data Visualization, and ConsultingContact me: p•••••••@umn.edu
Experience
Senior Credit Strategy Analyst
Feb 2026 — Present · San Francisco, CA, US
Develop credit and pricing strategies using big data analytics and modeling techniques.• Perform feature engineering and run experiments to improve model performance and credit decision-making.• Collaborate with cross-functional teams to align on strategy and implementation.
Education
UMN Carlson School of Management
Master of Science in Business Analytics, Business and Data Science
Shri T.P Bhatia Jr. College Of Science.
HSC, Science
Swami Vivekanand International School and Junior College
SSC, Matriculation
2003 — 2015
Dwarkadas J. Sanghvi College of Engineering
Bachelor of Engineering - BE, Electronics and Telecommunication Engineering
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