Summary
Overview
Work History
Education
Skills
Websites
Certification
Additional Information
Timeline
Generic

Karthik Raman

Plainsboro,NJ

Summary

Data Scientist / ML Engineer with 10 years of experience specializing in building scalable data pipelines, real-time analytics solutions, automation solutions and derive actionable insights using Databricks, Python, Spark, SQL, Power BI/Tableau . With a strong foundation in Data Science, Machine Learning, Data Engineering & AI/BI , I excel at turning complex data into meaningful insights and business value. Dedicated to pushing the boundaries of AI to drive business growth and Innovation.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Senior Data Scientist

DLL
06.2024 - Current
  • Drove a customer re-engagement initiative by developing a data-driven segmentation model using exposure/revenue Matrix, weighted margin, and macroeconomic indicators to classify accounts as Dormant, Churned, or Inactive. Built operational and propensity scores to prioritize outreach and predict lead conversion, enabling targeted reactivation strategies and supporting pipeline growth.
  • Led the Customer/Dealer AI Cleanup project to unify fragmented customer and dealer records across multiple countries, resolving 13% of duplicates through a custom EPAS API leveraging Fuzzy-Wuzzy, cosine similarity, and connected component graph algorithms. This consolidation enhanced portfolio reporting accuracy and enabled DLL to better manage Global Major Accounts with a unified customer hierarchy view.
  • Worked with stakeholders to develop quarterly roadmaps based on impact, effort and test coordinations.
  • Identified, measured and recommended improvement strategies for KPIs across business areas.
  • Coached and mentored junior data scientists on SAS and data mining techniques.
  • Set up SQL database on cloud servers to store client data for query analysis.

Senior Data Scientist

Marlin Business Services Corp Ltd Dba as PEAC Solutions
06.2022 - 06.2024
  • Assist the Credit Risk Analytics team by supporting Credit Risk Models & Reporting Structure.
  • Transform verbal directions & business requirements into meaningful reports and/or dashboards, and compile data for metric analysis. Develop periodic/Ad-hoc credit risk corporate reports, performance dashboards & perform data analytics for the credit team.
  • Built Tableau Credit Dashboards (Delinquency, Early Payment Defaults, Marlin Static Loss Curves, Delinquency Vintage Curves, Decision trends, large Exposures, Equipment & Industry Concentration), Model Governance Dashboards (Model Stability Indexes, Bad Rate Analysis, Low Side High Side Override, Scorecard Productivity etc.), Dealer Surveillance Dashboards (Watchlist - Red Flags, Ramp up etc.), Renewal Forecast etc.
  • Developed an API end point solution to host Entity Resolution ML Model based on ML-Ops Workflows on Databricks to identify duplicate End Users/Dealers run time at the time of application. The API takes about 0.35 seconds on an average per application to scan across the Datawarehouse of 2M+ customer records.
  • Migrated several Data Science batch jobs from SAS to Python and hosted them in Databricks by implementing Pyspark solution to reduce execution time of 7000 lines of SAS codes from 3.5 hrs. to 35 mins in Databricks.
  • Built a ML model during Pandemic based on IBIS data points. The model classified Industries into High/Moderate/Low Risk categories based on shock factor score which drove the underwriting strategies. The model performed very well and rank ordered the 31+ Delinquencies significantly.
  • Automated & Integrated data pipelines between multiple Data sources (MS SQL Datawarehouse, Salesforce, Tableau, Flat files etc.) using Python's TabPy Server & Tableau's Predictive service.
  • Build insightful solutions to complex problems & questions using SAS/SQL/Python & presented the results in visually & engaging reports & dashboards using Tableau.
  • Perform complex analysis & statistical modeling to identify opportunities for growth & minimize credit losses & other risk exposures.
  • Research report variances & business issues to identify root cause & build appropriate audits.

Business Intelligence Engineer Intern

Maestro Technologies, Inc.
08.2017 - 12.2017
  • Interacted with the stakeholders & implemented the best technology practices for DW/BI and Analytics Solutions.
  • Performed Sales Analytics, Recruiting Analytics & People Analytics by developing ETL data pipelines that uses SSIS packages & API's(scraping) to extract information from various sources like QuickBooks, Indeed/Glassdoor, ManageEngine, Excel Spreadsheets etc.
  • Created dashboards & insightful reports to track key financial metrics (KPI's) using Tableau and SSRS/SSAS.
  • Worked on data analytics platform using Python Libraries & R to develop predictive regression score models to perform Market trend analysis, Lead/Prospect generation, identification & retention to analyze, understand & improve the sales performance.
  • Interacted with the stakeholders to document business requirements, translate them to data models & propose solutions.

Data Analyst Research Assistant

Rutgers Behavioral Informatics Lab
01.2017 - 07.2017
  • Extracted significant features and correlations & patterns based on several linguistic parameters generated from the news text using LIWC.
  • Created text features processing based machine learning models in Python such as Logistic Regression, SVM, Random Forest, Decision Tree, K- neighbors classifier with SVM providing 87 % accuracy in identification of Fake News.
  • Published the above research as a Research paper (Automated Fake News Detection Using Linguistic Analysis and Machine Learning) Reference Link: - https://www.researchgate.net/profile/Karthik_Raman12/publications

Business Technology Analyst

Oracle Financial Services Software Ltd.
11.2015 - 07.2016
  • Company Overview: Client - CITI Bank
  • Worked as a Business Analyst & Oracle Flexcube Consultant for the client CITI bank to support Account Migration (Mainframe systems to Oracle Flexcube) & CITI rollouts in the North America & Latin America regions for Oracle Flexcube Universal Banking Solution V12.
  • Collaborated with the Client to review data requirements, design quality metrics & document business requirements.
  • Concised & generate periodic data reports for reconciliation, reporting using Excel & SQL/PLSQL Joins, views, procedures & visualize using Tableau. Co-ordinated with the Reporting and downstream teams and understand the requirements to generate the OBIEE reports.
  • Performed GAP analysis of business rules, business and system process flows and user requirement. Created & maintained Requirements Traceability Matrix. Documented Action Items. Created & sought approvals on use cases, Functional Requirement Document (FRD).
  • Worked with development & testing teams to create, review test cases, use cases & support end users on production verification testing.
  • Client - CITI Bank

Sr Engineer Application Management

Wipro Infotech
05.2015 - 09.2015
  • Company Overview: ThinkApps Solution Pvt. Ltd
  • As a part of the Projects Team, was responsible for Development, Enhancements and Maintenance of Core banking Products (Loans, Bills & Collections, Fund Transfer, CUSAC etc. for the client (YES Bank) on Oracle FCC (Flexcube Corporate) V3.4.
  • Translated stakeholder requirements into functional specifications, use cases, workflow/process diagrams, data flow/data model diagrams.
  • Created Use Case Scenarios, Test case Scenarios and maintained the Textual Use Cases and modeled Use Case Diagrams, Activity Diagrams, Sequence Diagrams, and Business Flow Diagrams of new Flexcube products.
  • Performed Integration Testing & Functional testing of newly deployed products in UAT environment. Co-ordinated with the business users to verify the functioning of new products on Flexbube UAT post which it will be moved to Production environment.
  • Developed new products (BM61 & BM86) within Bills & Collections Module, tested in UAT and deployed in Production.
  • ThinkApps Solution Pvt. Ltd

Delivery Software Engineer

Mphasis Ltd.
09.2011 - 09.2014
  • Company Overview: Client - The Bank of N.T. Butterfield & Son Ltd
  • Provided Technical and Functional support to our client The Bank of N. T. Butterfield & Son Limited on Oracle FLEXCUBE Universal Banking Solutions Application.
  • Performed Oracle Flexcube Migration from Unix to Linux environment by being the POC with various teams /interfaces/partners.
  • Collaborated with the QA team to perform Functional Testing, developed the test plan, test conditions and test cases to be used in UAT & MO environment based on Business requirements, technical specifications and product knowledge.
  • To work with Vendor (OFSS) for Customization, Design and enhancing modules of Flexcube which includes - Core, Fund Transfer, Retail Banking, Loans and various Interfaces - ATM/POS and EMS-SWIFT systems.
  • Created Use Case, Test case Scenarios & modeled Use Case Diagrams, Activity Diagrams, Sequence Diagrams, & Business Flow Diagrams. Co-ordinate with the Oracle BI & business team, for periodic generation of reports using (OBIEE).
  • Co-ordinate with various interface partners for EOD feeds (incoming /outgoing), raising RFC's for production issues with the vendor (Oracle).
  • Client - The Bank of N.T. Butterfield & Son Ltd

Business Intelligence Intern

Jet Airways Pvt. Ltd.
09.2010 - 05.2011
  • Developed a Centralized Device Monitoring BI system that keeps a track of devices such as mobile phones, laptops, Blackberry's which are provided as a service to the employees.
  • Designed & developed SQL database objects, database schema (Star Schema) for building facts and dimensions tables.
  • OLAP operations like Slice, Dice, roll up, drill down were performed using Pentaho BI OLAP Navigator based upon the Mondrian OLAP cubes developed using the XML Schemas.

Education

M.S - Information Technology - Business Analytics & Data Science

Rutgers Business School
New Brunswick, NJ
12.2017

B.E - Computer Science

University of Mumbai
08.2011

Skills

  • Languages: SQL, Python, R, Spark SQL, JavaScript, HTML,PL/SQL
  • Databases: MSSQL, MySQL, PostgreSQL, Oracle
  • Platforms: Azure Databricks, Azure Synapse, Azure Portal & Resources, SSMS
  • Big Data Analytics: Spark, Hive, Hadoop, MapReduce
  • Visualization: Tableau, Power BI

Certification

  • Databricks Academy- AI/BI for Data Analysts
  • Databricks Academy- Generative AI Application Development
  • Microsoft Business Intelligence, 0D4F77
  • Business Analytics, AA2E93
  • QlikView BI, 7B130B
  • Tableau 10 for Data Scientists, 1DB893
  • Python for Data Science, ACCCD3
  • Oracle SQL/PLSQL (MLA)

Additional Information

Member of Institute of Electrical & Electronics Engineers (IEEE)-SAKEC(2009-Present), Won in the technical seminar competition for presenting paper on Networking & Denial of Service (DOS) attack., Organized the Techno Trek (TPP Nucleus) college event which gives the opportunity to write papers on unknown areas of Electronics, Computer, IT engineering and related fields and present the same to spread the knowledge., Active YA volunteer at Sri Sathya Sai International Organization participating in service activities., Magna Cum Laude honors.

Timeline

Senior Data Scientist

DLL
06.2024 - Current

Senior Data Scientist

Marlin Business Services Corp Ltd Dba as PEAC Solutions
06.2022 - 06.2024

Business Intelligence Engineer Intern

Maestro Technologies, Inc.
08.2017 - 12.2017

Data Analyst Research Assistant

Rutgers Behavioral Informatics Lab
01.2017 - 07.2017

Business Technology Analyst

Oracle Financial Services Software Ltd.
11.2015 - 07.2016

Sr Engineer Application Management

Wipro Infotech
05.2015 - 09.2015

Delivery Software Engineer

Mphasis Ltd.
09.2011 - 09.2014

Business Intelligence Intern

Jet Airways Pvt. Ltd.
09.2010 - 05.2011

M.S - Information Technology - Business Analytics & Data Science

Rutgers Business School

B.E - Computer Science

University of Mumbai

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