Praful Anand

Machine Learning Engineer 2 @Spring Financial

Gurugram, IN

Credit Risk Modeling & MLOps: Enhanced the Credit risk ML model for personal loans by integrating business-specific features to improve risk profiling and loan approvals; developed using VS Code and deployed via AWS Lambda and GitHub Actions. Pioneered retraining capabilities for the delinquency ML model, achieving ~20% higher F1 score, 300% increase in true positives and ~ 30% fewer false positives. Integrated advanced feature engineering using OpenAI APIs to extract semantic context from unstructured text, improving model signal and downstream credit risk classification. Delivered a POC for MLOps using MLflow, demonstrating experiment tracking and model versioning for improved workflow transparency and reproducibility. Learned and applied Airflow concepts, understanding orchestration, scheduling, and DAG management for future pipeline scalability. Improved model performance by ~10% through experimentation with XGBoost, Random Forest, and class imbalance techniques (SMOTE, undersampling, SMOTEENN). Implemented automated testing with Pytest across ML workflows, embedding CI-friendly quality checks to ensure robustness and consistency in production. Data Ingestion & Pre-processing Pipelines: Extended financial data ingestion pipeline by integrating Flinks, Plaid and TransUnion APIs, leveraging AWS Lambda for real-time automated preprocessing, reducing manual overhead and seamlessly supporting new data providers. Developed a large-scale ETL & pre-processing pipeline in Python on AWS SageMaker to process ~10M records from Snowflake, automating SQL, cleaning, deduplication, and sampling. Implemented multithreading for parallelized transformation, cutting processing time and manual effort by over 60% and delivering consistent ML-ready data. Collaborated with business stakeholders and data engineers to ensure alignment of technical design with compliance, operational, and analytical requirements.

Indian Institute of Technology, Kanpur

Bachelor of Technology - BTech