Noel Jose
Head of Risk Modeling & Analytics for Apple Card | IIT Madras | ISB Hyderabad
- Role
- Vice President at Goldman Sachs
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Noel Jose
With a decade of immersive experience with banks and fintechs across US, Australia and Indian markets, I bring a wealth of experience and expertise to my role as the Head of Credit Risk Modeling and Analytics at Apple Card. Leading a team of ~15 data scientists, I have successfully delivered solutions for various fintech problems, such as underwriting, credit scoring, pre-approval marketing, payments and collections, aligning them intricately with our overarching business objectives while ensuring strict adherence to regulatory standards.With my educational foundation from IIT Madras and an MBA specializing in Strategy and Finance from ISB Hyderabad, I bring a unique blend of technical acumen and strategic insight to the table. My expertise lies in leveraging machine learning and analytics to deliver tailored solutions to complex business challenges with a special focus on ease of implementation, usability, and tangible impact.
Experience
Vice President
May 2019 — Present · Bengaluru, IN
Head Risk Modeling & analytics for Apple card. Leading a team which uses data analytics and ML models for key insights around Pre-approval Marketing, Underwriting and Account management actions.Key focus areas include Credit risk, Fraud risk and collections.
Education
Indian School of Business
Master of Business Administration - MBA, Strategy and Finance
Indian Institute of Technology, Madras
Mechanical engineering
Skills
- Photoshop
- Matlab
- Html
- C++
- Sql
- Java
- R
- Autocad
- Microsoft Office
- Tableau
- Data Analysis
- Microsoft Word
- C
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