Ritambhara Jha Ritu

About Ritambhara Jha Ritu

In 16 years of data science work, I’ve built models that moved real numbers — a 9% cost…

Experience

1. Senior Data Science Analyst

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   Sep 2023 — Present

   Conduct large-scale analysis of recovery datasets (vendors, court costs, settlements) to identify financial leakages, leading to a 9% cost savings in recovery operations. Developed and deployed Random Forest, Gradient Boosting, and LGBM models for recovery strategy optimization, improving debt consolidation decisions. Designed customer segmentation models using Logistic Regression and ML algorithms to predict delinquency, charge-offs, and repayment probability. Delivered credit risk prediction models that improved accuracy to 83%, enhancing decisioning for balance transfer and delinquency monitoring. Led A/B testing frameworks to evaluate repayment behavior across customer risk tiers (High, Medium, Low). Created executive-facing visual analytics dashboards in Tableau/Power BI to support regulatory reporting and strategic portfolio adjustments. Partnered with credit policy and compliance teams to ensure risk models aligned with regulatory guidelines (CCAR, Basel Collaborated cross-functionally with engineers and analysts to operationalize models into production environments using MLOps best practices.

Education

• Rochester Institute of Technology

  Master of Science - MS

• Mody Institute of Technology, Rajasthan

  Bachelor of Technology (B.Tech.)