Looks like you have JavaScript disabled. For the full Twine experience, you will need to re-enable it.

I am a data science leader with 8+ years of experience driving business strategy through analytics, ML, and robust statistical modeling. I build and deploy scalable risk, fraud, and financial modeling solutions, leading cross-functional teams to translate data insights into actionable business outcomes. I excel at aligning data initiatives with executive objectives, communicating complex results clearly, and delivering measurable financial impact while adapting to changing markets.…I am a data science leader with 8+ years of experience driving business strategy through analytics, ML, and robust statistical modeling. I build and deploy scalable risk, fraud, and financial modeling solutions, leading cross-functional teams to translate data insights into actionable business outcomes. I excel at aligning data initiatives with executive objectives, communicating complex results clearly, and delivering measurable financial impact while adapting to changing markets.

Unnikrishnan Sivakumaran Nair





I am a data science leader with 8+ years of experience driving business strategy through analytics, ML, and robust statistical modeling. I build and deploy scalable risk, fraud, and financial modeling solutions, leading cross-functional teams to translate data insights into actionable business outcomes. I excel at aligning data initiatives with executive objectives, communicating complex results clearly, and delivering measurable financial impact while adapting to changing markets.…I am a data science leader with 8+ years of experience driving business strategy through analytics, ML, and robust statistical modeling. I build and deploy scalable risk, fraud, and financial modeling solutions, leading cross-functional teams to translate data insights into actionable business outcomes. I excel at aligning data initiatives with executive objectives, communicating complex results clearly, and delivering measurable financial impact while adapting to changing markets.

Available to hire

I am a data science leader with 8+ years of experience driving business strategy through analytics, ML, and robust statistical modeling. I build and deploy scalable risk, fraud, and financial modeling solutions, leading cross-functional teams to translate data insights into actionable business outcomes.

I excel at aligning data initiatives with executive objectives, communicating complex results clearly, and delivering measurable financial impact while adapting to changing markets.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Intermediate

Language

English

Fluent

Work Experience

Senior Data Scientist at Financeit

July 1, 2024 - Present

Led the strategic transition of the loss provisioning model from US GAAP to IFRS9 loss forecasting standards. Architected and developed end-to-end PD, LGD, EAD, and FLI models to calculate expected credit loss across diverse loan portfolios. Developed segmentation models to enhance risk assessment and management. Designed interactive dashboards for executive leadership and built risk-specific data pipelines using Fivetran and DBT.

Senior Data Scientist at Canadian Tire Bank

June 1, 2023 - July 1, 2024

Spearheaded the creation of an enterprise stress testing solution to project credit performance under future macroeconomic scenarios; aligned objectives across executives and drove tool adoption, achieving a 20% reduction in projected credit losses. Developed PD, LGD, and EAD models for IFRS/OSFI compliance and implemented governance with stakeholders.

Data Scientist at Scotiabank

October 1, 2022 - June 1, 2023

Designed and deployed robust credit risk analytics models for retail and small business portfolios, ensuring compliance with OSFI guidance and IFRS9. Implemented rigorous model validation processes and collaborated with stakeholders, developers, and technology partners to manage testing and production deployments.

Data Scientist at Rio Tinto

May 1, 2022 - September 1, 2022

Applied causal and graph analytics (including hierarchical regression and DAGs) to identify drivers of EBITDA variability across mining sites. Developed an internal Python library for model explainability (XAI) and partnered with Finance, Mining Operations, and Supply Chain to align analytics with strategic financial optimization.

Lead Data Analyst at EY

January 1, 2017 - April 1, 2021

Architected and deployed a machine learning solution to minimize false positives in sanctions screening for a Fortune 500 bank, delivering substantial cost savings. Led intelligent automation initiatives including a configurable chatbot framework and a virtual scheduling assistant. Built NLP-based solutions for a Child Protection Agency and a graph-based AML system using Neo4j.

Senior Data Analyst at fractal.ai

June 1, 2015 - December 1, 2016

Led automation of the business review process for a Fortune 500 CPG client, creating a single consolidated view of sales and financial data to support C-suite decision making. Developed predictive models to identify key drivers of SKU performance and improved marketing ROI.