Avtar Singh Panwar

Data Scientist with 5+ years of experience building and deploying production-grade machine learning solutions across fintech payments, lending, fraud, and credit risk. Expert in real-time fraud detection, graph modeling, credit risk analytics, and regulatory-compliant model deployment. Proven track record designing end-to-end data pipelines, explainable models, and monitoring frameworks that reduce fraud exposure, improve underwriting accuracy, and support scalable financial growth. Highly business-driven, translating complex analytical insights into measurable impact across high-volume, regulated financial ecosystems.