Credit Risk, Fraud Detection, Data Science

Khorshed Talukdar

Los Alamitos, CA ***** 951-***-**** ****************@*****.***

Citizenship: USA

Professional Summary

Analytical and results-driven professional with extensive experience in credit and loan risk management, portfolio analysis, predictive modeling, and business intelligence. Proven success in mitigating financial risk, optimizing loan decision frameworks, and improving credit scoring accuracy through advanced statistical and machine learning techniques. Strong cross-industry background integrating data-driven insights into lending, compliance, and operational strategies.

Education

MS in Statistics – University of Connecticut, Storrs, CT

BS in Applied Mathematics & Statistics / BE in Electrical Engineering – Stony Brook University, NY

Technical Skills

Analytics & BI: Tableau, Power BI, DataRobot, Oracle BI, Cognos, Crystal Reports

Programming: Python, R, SAS, SQL, PL/SQL, MATLAB, Java, VBA, C++

Modeling & ML: Credit Scoring, Logistic Regression, Decision Trees, Neural Networks, Forecasting

Operations Research: Optimization, Simulation, SPC, Six Sigma, DMAIC

GIS Tools: ArcGIS Pro

Databases: Oracle, SQL Server, MySQL

Certifications & Training

Machine Learning & Data Science Bootcamp – Udemy

SAS Predictive Modeling & Macros – SAS Institute

Oracle SQL & PL/SQL – Oracle Corporation

Business Intelligence Tools – Hyperion, Oracle BI

ArcGIS Pro Training – Esri

Professional Experience

HWS-CAP, Riverside County – Research Specialist II

Riverside, CA Mar 2025 – Jan 2026 (Laid off due to funding shortfall)

Conduct quantitative risk and portfolio analyses supporting grant and community programs.

Build regression and forecasting models to identify economic risk factors.

Create and automate reporting systems for performance and financial metrics.

Develop GIS-based analytics for market and demographic segmentation.

Collaborate on program evaluations using data-driven performance frameworks.

Freelance Statistician – Self-Employed

Los Alamitos, CA Nov 2023 – Mar 2025

Provided consulting in credit scoring, portfolio modeling, and risk analytics.

Designed statistical models for financial performance and default prediction.

Delivered data visualizations and performance reports for decision-making.

Net Pay Advance / Nuvative – Data Scientist

Wichita, CA Oct 2022 – Aug 2023 (Resigned because Nuvative transitioned from remote to hybrid)

Developed and validated fraud detection and loan default models.

Built customer segmentation and risk monitoring dashboards using SQL, R, and Power BI.

Applied Bayesian and Poisson modeling to improve lending decision accuracy.

Conducted anomaly detection and stress-testing of credit portfolios.

Nobel Biocare – Senior Business Consultant (Contract)

Yorba Linda, CA Jul 2017 – Dec 2020

Designed forecasting and cost-analysis models for operational and financial risk control.

Built decision tree models to enhance profitability and reduce exposure.

Led analytics for revenue optimization and KPI tracking.

Wichita State University – Assistant Director

Wichita, KS Aug 2014 – May 2017

Oversaw institutional analytics, reporting, and predictive modeling projects.

Applied decision science and operations research methods to improve efficiency.

Developed neural network models to forecast key performance trends.

JP Morgan Chase – VP, Senior Product Manager

Garden City, NY May 2005 – Dec 2009

Directed credit risk modeling for auto finance and loan portfolios.

Developed and implemented credit scoring and fraud detection systems.

Managed portfolio performance dashboards, improving underwriting accuracy.

Partnered with FICO to validate risk models and ensure regulatory compliance.

Nissan North America – Planner / Statistician

Gardena, CA Aug 2000 – Apr 2005

Designed fraud detection models identifying warranty claim anomalies.

Built predictive models for customer retention and loan repayment behavior.

Implemented statistical controls saving $12M annually through loss prevention.

MMCA – Senior Credit Risk Analyst

Cypress, CA 1998 – 2000

Conducted portfolio risk assessments and loss forecasting for auto finance.

Developed credit scoring and delinquency prediction models.

Pratt & Whitney – Statistical Engineer

East Hartford, CT 1996 – 1998

Applied statistical process control (SPC) to improve quality management.

Designed reliability testing frameworks for manufacturing components.

Consultant & Research Roles (Economist Group, AIUB/World Bank, UNM, Claritas/VNU)

Various Locations 2010 – 2014

Delivered BI, ETL, and market research analytics across multiple domains.

Conducted statistical modeling and econometric research for financial and social datasets.

Key Strengths

Credit & Loan Risk Modeling, Predictive Analytics & Fraud Detection, Portfolio Risk Management, Business Intelligence & Visualization, Financial Forecasting & Stress Testing, Statistical Inference & Decision Science, Process Optimization & Quality Control

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