About

Devesh Bansal is an accomplished analytics and consulting professional with over six and a half years of experience working with some of the biggest brands in the financial industry, including Goldman Sachs (Apple Card), Amex, and Mastercard. He has a proven track record of creating scalable business solutions by leveraging payments and credit bureau data. Devesh's strength lies in his ability to understand complex business problems and communicate analytical solutions effectively. He is currently working as an Apple Card Analytics professional at Goldman Sachs, where he has designed a framework to estimate card profit by leveraging credit bureau and on-us data, resulting in an early intervention marketing strategy to nudge customers and an acquisition strategy beneficial to both GS and Apple. He has also led the end-to-end development of the first ML-based underwriting strategy for Apple Card. In his previous roles, Devesh has designed end-to-end SME value propositions for a major European airline, developed an ML-based underwriting strategy for over 1 million cards per year, and identified fraudulent credit behavior, saving $500K per year in defaults. He has also designed a framework to leverage Experian Credit Inquiry data for better underwriting and identified employer information in Experian data to improve customer experience by 50%. Devesh holds an M.A. in Economics from the Delhi School of Economics, University of Delhi, and a B.A. (H) in Economics from Sri Guru Gobind Singh College of Commerce, University of Delhi. He has also completed his 12th standard from Ryan International School, Vasant Kunj, and attended Vivekanand School. Devesh is proficient in ML, SQL, Python, RNN, test, Research Scientist, and Apache Hive. Overall, Devesh has 7.70 years of relevant experience in the analytics and consulting field, and his expertise lies in payments and credit bureau data analysis, underwriting strategy development, and customer behavior segmentation.