Divyam is a Passionate Analyst who strives to empower his teams by delivering the highest value with least friction by using best Data Science practices along with experience in Credit Risk, open sharing and contribution. He is a graduate from IIT Kharagpur with a degree of Integrated MSc in Economics with an experience of 3 years in the Credit Risk domain. He is the happiest in code solving problems with the team or solving business challenges so that the models can deliver best outcomes to customers. He also likes to apply technical knowledge across interdisciplinary fields such as Econometric Modelling, Credit Risk, Time Series Analysis, Machine learning & Finance.