πŸ‘¨β€πŸ’» Anurag Pandey

πŸ“Š Data Scientist Β· ML Systems Β· 🏦 BFSI

Data Scientist with hands-on experience in building and deploying production-grade machine learning systems in regulated BFSI environments. I work at the intersection of data, models, and business decision-making, ensuring solutions are explainable, scalable, and aligned with policy and risk frameworks.

My work spans credit risk scorecards (PL & HL), analytics platforms, reconciliation engines, and LLM-powered RAG and agentic AI systems. I specialize in converting ambiguous business problems into structured ML solutions and carrying them end-to-endβ€”from problem framing and feature engineering to deployment and monitoring.

I believe models are only valuable when they drive clear decisions and measurable impact. My approach emphasizes explainability, robustness, and stakeholder trust alongside performance.

βœ” End-to-end ownership of ML systems
βœ” Strong BFSI & credit risk grounding
βœ” Explainable & policy-aligned modeling
βœ” Business-first ML mindset
Anurag Pandey

🧭 What I Build

🏦 Credit Risk Engines (PL & HL)
πŸ€– Agentic AI & Automation Systems
πŸ“„ Trade Finance & Document Intelligence
πŸ“Š Analytics Platforms & Dashboards
πŸ” Financial Reconciliation Systems
πŸš€ Production ML Deployments

πŸ› οΈ Technical Skills

Programming
  • Python
  • SQL
  • Shell Scripting
Machine Learning
  • Logistic Regression
  • Tree Models
  • Feature Engineering
  • Model Evaluation
Credit Risk
  • Scorecards
  • WOE-IV
  • Policy Rules
  • Risk Bands
LLMs & NLP
  • RAG
  • Prompt Engineering
  • Document Parsing
Data & Analytics
  • Cohort Analysis
  • Customer Segmentation
  • KPI Design
Deployment
  • Model Serving
  • Batch Pipelines
  • Monitoring

🧠 Core Competencies

System Design & End-to-End Ownership
Business-Aligned Modeling Decisions
Explainability & Regulatory Compliance
Stakeholder Communication
Data-Driven Product Thinking
Scalable & Maintainable ML Systems

πŸ§ͺ Flagship Systems β€” Deep Dive

🏦 Credit Risk Scorecards β€” PL & HL

Production scorecards used for credit decisions

πŸ“„ RAG Platform for Financial Documents

LLM-powered question answering for finance teams

🧩 Additional Projects & Work

πŸ” Reconciliation Engine

Automated ledger matching

Python Β· SQL
πŸ“Š Analytics Platform

Unified KPI dashboards

SQL Β· BI
πŸ“ˆ Cohort Analysis

Customer lifecycle tracking

SQL Β· Python
πŸ’³ Payments Analytics

UPI & channel analysis

SQL
⚠️ Fraud Rule Tuning

Reduced false positives

Rules
πŸ§ͺ Experiment Analysis

A/B testing & inference

Statistics

πŸŽ“ Education

πŸŽ“ MSc / PG Program in AI & Data Science

Jio Institute, India

Machine Learning Β· AI
🏫 B.Tech – Production Engineering

Dr. A.P.J. Abdul Kalam Technical University

Engineering Fundamentals

πŸ”— Web Presence

πŸ™ GitHub

Code & projects

github.com/anuragdhirubhai
πŸ’Ό LinkedIn

Professional profile

linkedin.com/in/anurag-pandey
✍️ Medium

Technical writing

medium.com/@anurag.ap2011