Quantitative Analyst in Finance and Trading Potential

Dnyandeep Kale

+91-751******* ***************@*****.***

EDUCATION

IIT Bombay Dual Degree (B.Tech + M.Tech), Mechanical Engineering (CGPA: 8.09 / 10) [2023] CFA Institute Passed Chartered Financial Analyst (CFA) Level 1 (Feb’25) [2025] PROFESSIONAL EXPERIENCE

SMFG India Credit Assistant Manager (Data Analytics) [Jul ’23 – Present] Pan-India NBFC backed by SMFG, offering urban, digital and rural credit to 3M+ borrowers with a 35,000+ Cr loan book Bounce risk classification using repayment behaviors and vendor optimization on 7.75 Bn Monthly EMI Inflows

Achieved 73% Gini in bounce prediction by building an XGBoost model for 280K+ customers segmented into five risk bands

Improved bounce rates by 12.5% through Z-tests, ANOVA and variance analysis to identify consistently performing vendors

Increased timely EMI inflows by 178.25 Mn/month and reduced vendor costs by 1.6 Mn/month via optimized allocation Valuation of stressed loan portfolios for sale by projecting future recovery cash flows using similar historical pools

Analyzed 11.1 Bn portfolio of 24-month post-write-off accounts with off-us >75% delinquency for pool-sale assessment

Derived 280.47 Mn NPV through DCF valuation using ROI-adjusted discounting and calibrated collection-cost assumptions

Secured 12% higher sale value by validating internal estimates with external benchmarks and enabling competitive bidding Pre-approved settlement waiver for 53K+ loan accounts with POS of 1,700 Cr across personal loan segments

Modeled lifetime recovery using 10-year historical trends to estimate POS waivers and refine settlement offer decisions

Built customer recovery profiles using CIBIL score, loan amount, vintage, tier and off-us behavior to reduce 12% waiver

Increased monthly settlement collections by 3.4M and cut execution turnaround by 3 days by streamlining the process Collections enhancements using real-time bureau triggers, geospatial insights and automated agency allocations

Delivered 1.84 Cr monthly recovery and 9.5% better bucket resolution by using bureau triggers to prioritize customers

Improved daily productivity by 20% and visits per day by 18.5% via reporting of visit counts, timestamps and coordinates

Saved 18+ hours monthly by automating agency allocation by preserving portfolio mix and reallocating churned accounts KEY TECHNICAL PROJECTS

VAAHAN Course Project Guide: Prof. Asim Tewari [Jan’22-Apr ’22] Developed cutting-edge AI and data analytics methods for providing smart solutions for real-time maintenance of vehicles

Achieved 93% accuracy on 5 classes and implemented Mobilenetv2 architecture on the driver behaviour classification task

Predicted customer interest by using 10 key demographic parameters and previous history using SVM in vehicle insurance AUTOMATED QUALITY CONTROL Course Project Guide: Prof. Soham Mujumdar [Jun ’21 – Jul ’21] Developed an Artificial Intelligence based module for industry-relevant Automated Quality Control using Python

Improved accuracy of quality control model by 10% by imposing thresholds on each class of defects in manufactured steel plate

Performed anomaly detection on wines; categorized them into 3 (low, avg and high quality) wines using LOF and K-means VIDEO FRAME STABILIZATION Course Project Guide: Prof. S. S. Pande [Aug ’21 - Nov ’21] Implemented a graphic algorithm to stabilise the frames and facilitate a smooth transition from one frame to the next one

Designed and rendered video frame stabilization algorithm applying Euclidean transformation and feature matching technique

Stabilised frames by 45%; Ameliorated the algorithm to overcome cropping by optimally recovering data using OpenCV POSITION OF RESPONSIBILITY

INSTITUTE WEIGHTLIFTING SECRETARY Students’ Gymkhana, IIT Bombay [Apr ’20 - Mar ’21] Elected as a part of 22-member council catering to 10K+ students efficiently handled a budget of INR 420K for Weightlifting Initiatives

• Led the Powerlifting Open; witnessed twofold rise in overall as well as females’ participation for the first time

• Organized pan-India Virtual Run (1.5k+ runners); raised INR 13k for the COVID relief campaign by NGO Goonj

• Launched Fitness Club fostering student wellness for 2k+ subscribers; INR 1M partnership with ‘Mindhouse’ Leadership

• Singlehandedly pursued corporate deals worth INR 175k with companies like Nodwin Gaming and GamerJi

• Recorded the highest ever participation (550+) in a one-day paid Chess tournament with prizes worth INR 71k

• Achieved a 150% increase in IITB Sports’ online reach by initiating 3 campaigns; crossed 20k follower mark EXTRA-CURRICULAR ACTIVITIES

Technical • Languages: C++, Python, MATLAB, HTML, SAS, SQL Softwares: MS Office, AutoCAD, ANSYS, COMSOL Sports

• Captain, Weightlifting Team, 55th Inter-IIT Sports Member, Weightlifting team, 54th Inter-IIT Sports

• Bagged third place in the Volleyball Revive Sports League among 8 teams conducted by Aavhan

• Conferred with the Green Belt in Taekwondo for completing one-year long professional training

[’19,‘22]

[’19]

[‘12]

Misc.

• Mentorship: Member of 10+ TAs assigned for 250+ students Statistical Machine Learning & Data Mining

• Cultural: Awarded Hostel Special Mention (8/500+) 2nd, Dance Mania ’18 4th, Dance Mania ’19

• Social: Participated in Powai Lake Clean-up; over a stretch of 1.5 km, collecting 1500+ kg of solid waste

[’22]

[’18,’20]

[‘19]

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