Ankita Singh

Staff Machine Learning Scientist at Visa Inc.

Handle

@user-h5xi5t

Role

Staff Machine Learning Scientist

Company

Visa Inc.

About

I build production-grade machine learning systems for payments, fraud detection, credit risk, underwriting, NLP, and Generative AI. I develop large-scale risk and decisioning systems, including fraud models monitoring 55M+ daily transactions and underwriting solutions supporting global BNPL products.

Experience

• Staff Machine Learning Scientist at Visa Inc.
  Apr 2025 to now
  Led development and productionization of a fraud detection system for card enumeration attacks across the Latin America & Caribbean region using a hybrid Variational Autoencoder and MLP architecture. Built anomaly detection models operating on approximately 55 million payment transactions daily.
• Machine Learning Scientist 2 → Machine Learning Scientist 3 at PayPal
  May 2021 to Mar 2025
  Built and deployed real-time risk decisioning models for New-to-PayPal customers applying for BNPL loans across eight countries. Developed affordability assessment models using LightGBM and built the Pay Monthly underwriting model for the US BNPL product.
• Data Scientist (AGM) at Vodafone Idea
  Jul 2019 to Apr 2021
  Developed churn prediction, recommendation, sentiment analysis, and text-mining solutions for customer retention and revenue optimization. Applied machine learning and NLP techniques to derive actionable insights from customer interactions, campaigns, and feedback data.
• Consultant 1 at EXL Services
  Jul 2018 to Jun 2019
  Built spend propensity models for a Fortune 500 banking client using XGBoost to predict card-member spending behavior and support targeted customer acquisition campaigns. Developed machine learning and analytics solutions for banking and financial services clients using Python, SAS, Hive, and SQL.

Education

• Indian Institute of Technology, Roorkee
  B.Tech.
  2014 to 2018
  GPA: 8.13/10

Skills

• Python
• SQL
• R
• SAS
• C++
• Fraud Detection
• Credit Risk
• NLP
• Deep Learning
• LLMs
• Agentic AI
• XGBoost

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