Bhanuj Goyal

Background

About Bhanuj Goyal

As an Analytics Consultant in the Asia Pacific Analytics Delivery team at FICO, I am responsible to manage and deliver projects, conducting data investigations, risk trend analysis and developing credit risk models for banks and financial institutions across different stages of the customer lifetime risk management. I am primarily responsible for working on predictive modelling projects and regulatory models for banks in APAC region to be used in their operational business processes. I have worked on Asia Pacific region extensively covering Australia, New Zealand, Philippines, Thailand, Brunei, Malaysia and India. I have worked on developing Application (including Reject Inference), Behaviour & Collections Models using traditional and machine learning techniques across retail and SME portfolios (Personal Loans, Mortgage Loans, Two-Wheeler Loans, Consumer Durables, Auto Loans, SME Loans, etc.). I have also worked on developing transactions scoring model for one of the major banks in Australia and has experience in regulatory modelling as well. I have hands-on experience of working extensively with client data and analyzing data trends using statistical modeling techniques. I have knowledge of processing Credit Bureau data for Malaysia (CCRIS) and India (CIBIL), which includes data aggregation and generating predictive characteristics.