Data Scientist with 5+ years of experience designing, developing, and deploying machine learning solutions across banking, aerospace, and logistics sectors. Specialized in credit risk analytics, with a proven record of t…
Data Scientist with 5+ years of experience designing, developing, and deploying machine learning solutions across banking, aerospace, and logistics sectors. Specialized in credit risk analytics, with a proven record of transforming data into actionable insights that enhance detection accuracy, reduce losses, and strengthen financial integrity. Adept at working within regulated environments, ensuring compliance, explainability, and model robustness. Passionate about using AI for bridging business and technical teams to transform complex data into actionable intelligence.
<p>Develop and validate machine learning models, retail credit risk scorecards, and decisioning frameworks supporting lending, collections, and portfolio risk management.<br>
Lead portfolio and through-the-door analytics across Personal Finance, Vehicle Finance, Home Finance, and Credit Cards, monitoring delinquency, losses, customer behaviour, sourcing quality, employer/industry exposure, and portfolio performance.<br>
Engineer risk-monitoring and early-warning frameworks to identify portfolio deterioration, delinquency movement, and emerging risk segments, enabling proactive credit risk management.<br>
Support retail credit policy and strategy enhancements through portfolio performance analysis and risk segmentation, while assessing the impact of policy changes on delinquency, losses, approval outcomes, and portfolio quality.<br>
Lead AECB 3.0 score migration and policy recalibration, which aligns to risk appetite.<br>
Conduct impairment, NPL flow, and portfolio deterioration analyses, providing senior management with data-driven assessments of portfolio health and emerging credit risks.<br>
Identified profitable customer segments for targeted credit expansion, contributing to AED 13M in strategic credit limit increases through targeted portfolio analytics.<br>
Serve as Retail Risk Analytics SPOC for SAS-to-Python migration, developing reusable Python modules and migrating analytical workflows and portfolio monitoring processes from SAS to Python.<br>
Engineer SAS/SQL ETL pipelines and datamart quality controls supporting portfolio analytics, data integrity, and recurring risk reporting.<br>
Deliver CBUAE regulatory analytics and reporting across BRF, FIRP, and Market Conduct requirements, and partnering with Policy, Collections, Product, Finance, IT, Data Engineering, and Data Governance stakeholders to translate data into business insights.</p>
<p>Built and deployed deep learning models for object detection and image segmentation using Tensorflow and OpenCV for high-resolution KhalifaSat imagery.<br>
Developed software for radiometric and geometric validation of satellite imagery in the DMSat1 mission.<br>
Satellite image analysis using Python, ArcGIS, and OpenCV across DMSat1, DubaiSat2, and KhalifaSat missions.<br>
Designed mission planning software for MBZ-Sat, enabling data-driven scheduling for operational efficiency.<br>
Represented MBRSC at the IAF 11th International Parliamentary Meeting, highlighting AI contributions to UAE’s space innovation.<br>
Conducted deep-learning hackathons and training sessions for university students.<br>
Contributed to peer-reviewed AI research publications (IEEE, SPIE, Springer), advancing the center’s applied AI capabilities.</p>
<p>Developed and integrated Python-based analytics pipelines for real-time shipment tracking, increasing tracking accuracy and reducing manual errors.<br>
Partnered with operational stakeholders to integrate AI analytics into logistics processes, improving visibility and turnaround time.</p>
<p>Created end-to-end business intelligence dashboards integrating Google Ads and Analytics data for executive decision-making.<br>
Designed front-end and back-end architecture using PHP, MySQL, and JavaScript, improving campaign analytics efficiency.</p>
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