Om Shukla

About Om Shukla

Certified Data Scientist with 9 years of experience in data science, credit risk analytics, and AI/ML within the Banking & Financial Services (BFSI) domain. I specialize in transforming complex data into actionable business strategies. I am deeply passionate about leveraging advanced analytics, AI, and ML to drive business growth, optimize credit risk, and deliver measurable improvements in portfolio performance.**My core expertise includes:**- Credit Risk Modeling: PD, EAD, LGD, Scorecard Development, Model Development & Validation, Vintage Analysis, Roll Rate, Basel, IFRS 9, CCAR, CECL- Business Strategy: Acquisition & Collection Strategy, Portfolio Analysis, Campaign Management- Advanced Analytics: Predictive Modeling, A/B Testing, Hypothesis Testing, Statistical Analysis, Process Automation, Feature Engineering- Machine Learning & AI: Regression, Random Forest, XGBoost, SVM, Neural Networks (ANN, CNN, LSTM), NLP- Data Visualization & BI: Tableau, Power BI, Advanced Excel- Databases: MySQL, MongoDB, Cassandra**Technical toolkit:** Python, SQL, SAS, UNIX, TensorFlow, PyTorch, PySpark, Jupyter Notebook, VSCode.I have led cross-functional projects for top-tier banking and fintech clients, combining technical expertise with business acumen to deliver measurable outcomes. I thrive in collaborative environments, solve high-impact problems, and continuously learn to stay ahead in the fast-evolving world of data science.**What drives me:** Collaborating with diverse teams, solving challenging problems, and continually learning new technologies in the fast-evolving world of AI and analytics.**Let’s connect if you’re looking for a partner to turn complex data into competitive advantage – or want to talk about the future of AI and risk analytics!**

Experience

1. Manager- Risk and Analytics

   EXL

   Aug 2023 — Present · Gurugram, IN

   Working as Credit Risk Analyst with leading US Fintech in the near prime space on improving their Portfolio Risk. Gained experience in Acquisition Campaign Strategy, Existing Customer Management (ECM), Credit Risk Analysis & Credit Risk Modelling, Collection Strategy, Benchmarking, Risk Model Development and Reporting & Dashboard.Responsibility-• Analyzed and strategized monthly acquisition selection strategy; resulting in acquisition of 450K accounts in FY’23 with a lower CPA and high response rate.• Oversaw response calibration model to track variance, factor and campaign forecasting, leading to high acquisition efficiency.• Implemented statistically significant A/B testing for campaign offers, product promotions and creative letters; analyzed response rates.• Developed credit risk model i.e PD, EAD, LGD, Response model to find risky attributes as well as improve collection recovery by 10%.• Developed a cutting-edge collection Risk Appetite benchmark using chain SLR and factorization, boosting monitoring and achieving a 15% improvement in recovery rate predictions.Project Undertaken:1. Response Calibration and Acquisition Strategy Process2. A/B Testing of new Product in Mercury Campaign3. Predictive Model to predict default Portfolio.4. Predictive Model to find out top attributes which are impacting response rateEnvironment -1) Data Analysis - SAS SQL, MY SQL, EXCEL2) Data Modelling - Python, Numpy, Pandas3) Predictive Modelling- Python (Jupyter Notbook, VS Code, Pycharm)3) Dashboard & Reporting - Tableau, Advanced Excel

Education

• Jaypee University of Engineering and Technology

  Bachelor's degree - B.Tech, Electronics and Communications Engineering

  2012 — 2016

• Army Public School Allahabad

  High School and High Secondary School, Science(Physics, Chemistry and Maths)

  2008 — 2011