EVERY
PROJECT.
EVER.
DIGITAP.AI
BANGALORE // ML ENGINEER AUG 2025 — PRESENTAlternate Risk Modelling & Churn Prediction
Currently building an alternate-data risk model to score borrowers beyond traditional bureau signals, developed in parallel with a churn scoring and prediction system that flags at-risk customers early from behavioral and repayment patterns.
Lending Score Predictor (DPD & SMS)
Architected a production credit scoring model leveraging repayment histories (DPD) and SMS streams. Engineered rule-based SMS aggregations and feature pipelines, aligning at ~90% with bureau credit outcomes.
Behavioral Scoring System
Constructed an unsupervised behavioral assessment system leveraging hybrid clustering models to segment customers and derive risk-aligned behavioral scores.
Data Quality Scoring Revamp
Rebuilt customer Data Quality Scoring for bank records, redesigning the scoring logic and feature pipelines to produce more reliable, production-ready quality assessments.
Expense Manager parsing engine
Refactored Wallet transaction streams by standardizing parsing rules, developing robust regex matchers to clean syntactic text and mask private fields.