Ramesh Siddharth Chopra

Senior Data Scientist at Carrow Networks · credit scoring, survival analysis

Carrow Networks

New Delhi, India · IST (UTC+5:30)

5+ years experience

IIT Roorkee

English, Hindi

Co-founder

Messaging unavailable

Overview

Senior Data Scientist at Carrow Networks, focused on credit risk modelling. Replaced 54 hand-built dashboards with one metrics layer people trust. Previously at Reliance Jio. I volunteer with a food bank on weekends.

Good reasons to reach out

People who want to build this with me
Questions about credit risk modelling
Working sessions on credit scoring
Second opinions on model governance decisions

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Survey or panel invitations
Agency or outsourcing pitches

Answers in batches on Fridays

Skills

credit scoringmodel governancesurvival analysisPythonSQLXGBoost

Co-founderLooking for a co-founder

closes in 3 months

Need an operations co-founder: inventory forecasting in the Nordics

The idea: Need an operations co-founder: inventory forecasting in the Nordics
Stage: Prototype
I bring: 9 years in credit risk modelling
Looking for: Commercial co-founder who has sold to enterprises
Commitment: Full-time after funding
Location: New Delhi or remote

I bring 5 years of credit risk modelling (currently Carrow Networks). Ideally you've run operations in Africa. Pre-product, some customer interviews done.

New Delhi, Indiapythonxgboostmodel governance

Open

Experience

Senior Data Scientist
Jun 2024 - Present
Carrow Networks · 2 yr 4 mo · Full-time · New Delhi, India
- Replaced 85 hand-built dashboards with one metrics layer people trust.
- Built the scorecard that lifted approval rates by 3% at flat losses.
- Wrote the metric definitions the leadership team reviews every week.
Data Scientist
Oct 2021 - Jun 2024
Reliance Jio · 2 yr 8 mo · Full-time · New Delhi, India
- Taught SQL to 194 non-analysts.
- Replaced 27 hand-built dashboards with one metrics layer people trust.

Projects

Credit risk modelling benchmark

2025

Reproducible benchmarks comparing survival analysis and Python on real workloads.

Conference talk: lessons from risk

2022

What went wrong and what worked while scaling credit risk modelling.

References

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Education

IIT Roorkee
B.Tech, Economics
2017 - 2021

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