{"handle":"zain-e2ag","display_name":"Zain Ahmed","headline":"MANAGER 2, DATA SCIENCE / STAFF DATA SCIENTIST at PAYPAL INDIA PVT LTD","bio":"I lead data science and AI initiatives in BFSI, fraud, and credit risk analytics. I design and deploy end-to-end machine learning systems, including LLM applications and agentic AI systems, and build and scale data science teams.","location":"Bangalore, India","company":"PAYPAL INDIA PVT LTD","role":"MANAGER 2, DATA SCIENCE / STAFF DATA SCIENTIST","open_to":null,"languages":null,"skills":["RAG Pipelines","Tool-Calling","FAST API","Pydantic Validation","Machine Learning","Neural Networks","Boosting Techniques","Time Series","Credit & Fraud Risk","BFSI","Management","Performance Reviews"],"positions":[{"title":"MANAGER 2, DATA SCIENCE / STAFF DATA SCIENTIST","company":"PAYPAL INDIA PVT LTD","location":"Bangalore, India","start_year":2024,"start_month":4,"end_year":null,"end_month":null,"description":"Designed and deployed agentic LLM and XGBoost pipelines for SMS pumping fraud detection and cost anomaly identification. Delivered $24M in annual cost savings through detection latency reduction, SMS model savings, and disputes operations savings."},{"title":"MANAGER 1, DATA SCIENCE","company":"PAYPAL INDIA PVT LTD","location":"Bangalore, India","start_year":2022,"start_month":1,"end_year":2024,"end_month":3,"description":"Led design and deployment of 3 supervised XGBoost ML models for identity risk scoring, achieving 94% AUC and preventing $20M in annual fraud losses. Managed 4 direct reports and achieved 100% team retention."},{"title":"ASSISTANT VICE PRESIDENT, DATA SCIENCE","company":"CITIBANK","location":"Bangalore, India","start_year":2020,"start_month":2,"end_year":2022,"end_month":1,"description":"Led a team of 8 data scientists building machine learning models for credit card and retail banking. Designed and deployed 5 production ML models and established a new ML modeling team from scratch."},{"title":"MANAGER, ML DATA SCIENTIST","company":"CITIBANK","location":"Bangalore, India","start_year":2017,"start_month":8,"end_year":2020,"end_month":1,"description":"Architected a credit offer optimization engine using XGBoost and Random Forest models, improving cross-sell conversion 18% and recommendation accuracy 32%. Built a machine learning automation tool that enabled 20+ modelers to reduce development cycle time 50%."},{"title":"ASSISTANT MANAGER, ML DATA SCIENTIST","company":"CITIBANK","location":"Bangalore, India","start_year":2015,"start_month":10,"end_year":2017,"end_month":7,"description":"Designed a marketing channel optimization framework using Logistic Regression, Random Forest and Boosting ML techniques, reducing marketing spend inefficiency 22% and improving campaign response rates 15%. Developed a next-best-offer product recommender, improving relevance and uptake by ~18%."},{"title":"ASSISTANT MANAGER, CREDIT RISK","company":"OCWEN FINANCIAL SOLUTIONS","location":"Bangalore, India","start_year":2015,"start_month":5,"end_year":2015,"end_month":9,"description":"Established the Credit Risk function for the mortgage servicing business, defining processes, metrics, and analytical support for key stakeholders."},{"title":"SENIOR BUSINESS ANALYST, CREDIT RISK","company":"TEG ANALYTICS","location":"Bangalore, India","start_year":2014,"start_month":10,"end_year":2015,"end_month":5,"description":"Developed risk adjudication scoring models and direct mail response prediction models for a Canada-based finance firm. Conducted cohort analysis, LTV analysis, profitability studies, and churn prediction across loan origination, transaction, and collections systems."},{"title":"BUSINESS ANALYST, DATA SCIENCE","company":"TEG ANALYTICS","location":"Bangalore, India","start_year":2012,"start_month":11,"end_year":2014,"end_month":9,"description":"Delivered data analytics projects across multiple domains, including regression analysis on web visitor trends, competitive price tracking, and market basket analysis. Responsible for requirements gathering, project execution, and training junior analysts."}],"education":[{"school":"IIM KOZHIKODE","degree":"PHD","field_of_study":"ECONOMICS","start_year":2023,"end_year":null,"description":"On going"},{"school":"IIM RANCHI","degree":"EXECUTIVE PROGRAM IN BUSINESS ANALYTICS AND BUSINESS INTELLIGENCE (EPΒΑΒΙ)","field_of_study":null,"start_year":2013,"end_year":2014,"description":null},{"school":"NIT SILCHAR","degree":"B.TECH","field_of_study":"CIVIL ENGINEERING","start_year":2008,"end_year":2012,"description":null}],"work_email":"zain.nits@gmail.com","phone":"+91-7676115524","calendar_url":null,"website_url":null,"linkedin_url":"https://www.linkedin.com/in/zain -ahmed -2501","x_url":null,"github_url":null,"locked":[],"contact_visibility":"open","unlock_price_cents":null,"call_price_cents":null,"accepts_hiring_messages":false,"work_verified":false,"work_verified_domain":null,"is_public":true,"owned":false,"created_at":"2026-09-21T19:02:17.993633Z","agents":[],"agent_count":0,"follower_total":0,"posts":[],"posts_total":0}