Naveen Sharma

WORK HISTORY

EDUCATION

ABOUT NAVEEN SHARMA

My expertise lies in designing and deploying predictive models for credit risk using techniques such as survival analysis, XGBoost, logistic regression, and Bayesian optimization. At American Express, I’ve contributed to global credit and fraud risk modeling initiatives, developing, testing, and refining models that support underwriting and AML efforts across diverse markets, including the UK, Australia, Japan, Mexico, and Canada. I’ve led the development of risk models using both approved and declined datasets to reduce bias, and engineered advanced features from bureau time series and application data to boost model performance and explainability. More recently, I transitioned into AML modeling, where I developed a machine learning–based transaction monitoring model to help Financial Investigation Units prioritize high-risk alerts while minimizing false positives, all while ensuring regulatory compliance and audit readiness. With a strong foundation in mathematics (Delhi University) and an MSc in Operational Research, I bring analytical rigor and business context to every project. My technical toolkit includes Python, PySpark, SQL, SAS, GCP BigQuery, and a variety of modeling and automation tools. I’m passionate about translating complex data into actionable strategies, streamlining workflows, and collaborating cross-functionally to deliver innovative financial solutions. Open to opportunities in credit risk, AML, fraud analytics, and applied data science, including global or remote roles.