Summary
Dhrumin Shah is a Director of Data Science with 13 years of experience applying statistics and machine learning to credit, fraud, and risk management across fintech and payments. He builds and leads cross-functional teams that deliver end-to-end ML products—from cashflow underwriting and NLP-based credit scoring to early legal-intervention models that improve recoveries and reduce costs. His work spans pricing and line management strategies, dynamic risk-based pricing, fraud detection, and operational forecasting, showing a rare blend of modeling rigor and commercial impact. Based in Greater Philadelphia, he has repeatedly translated alternative and Open Banking data into deployed products used by financial institutions, and he mentors teams while setting data roadmaps aligned to business goals. Notably, he pairs deep statistical training (MS in Statistics, Rutgers) with pragmatic engineering experience from Oracle to Mastercard-era Transfast, enabling reliable production-grade solutions in regulated environments.
13 years of coding experience
10 years of employment as a software developer
B.Tech. Electrical Engineering, B.Tech. Electrical Engineering at Veermata Jijabai Technological Institute(VJTI)
MS Statistics (Data mining), MS Statistics (Data mining) at Rutgers University