https://drive.google.com/file/d/10FoOhnPVkbEJegH84BHSe8VjGhYBh3lB/view?usp=drivesdk
Stats:
http://alex.smola.org/teaching/cmu2013-10-701/intro.html
https://archive.org/details/academictorrents_07f1555918ed051809f0075fedc0cd469a194c93
http://static.stevereads.com/papers_to_read/all_of_statistics.pdf
https://www.ic.unicamp.br/~wainer/cursos/1s2013/ml/livro.pdf
credit risk:
https://www.wiley.com/en-us/Credit+Risk+Analytics%3A+Measurement+Techniques%2C+Applications%2C+and+Examples+in+SAS-p-9781119143987
https://www.wiley.com/en-us/Advanced+Credit+Risk+Analysis+and+Management-p-9781118604892

Role Description for Associate Data Scientist
Service Line: CDB AI & Analytics
Track: Data Science & Analytics
Sub Track: Data Science
Grade: A
Location: Global
Reporting to (Typical): Not Applicable
Education Guidelines (Typical):
Post-grad in Computer Science/IT with strong academic credentials:
Purpose of the Role:
Build advanced analytics models and solutions for our clients to improve various business outcomes. I am a part of a team that successfully develops complex algorithms and brings cutting edge innovation IN ORDER TO elevate organization's ability to create value for clients in areas and through means not immediately apparent to clients.
Areas of Responsibilities:
Business:
Work with the business team to identify the right business objective and data required to answer the same Executes a data collection plan from both structured and unstructured sources that helps in data exploration, hypothesis testing and statistical modeling.
Analyze data and generates insights that can articulated to business stakeholders Develop POCs that can be used to generate business decisions.
Simulates several scenarios through an interactive visualization that deepens the business understanding with underlying trends and root causes.
Stakeholder Management:
Communicate analytical results in a way that is meaningful for business stakeholders and provides actionable insights.
Coordinates in communicating the data needs with both technology and business teams to ensure that right data is captured for analysis and modeling.
Project Management:
Ensure that the work goes ahead in a way that conforms to DS delivery frameworks and fulfills all outputs specifically outlined by stakeholders.
Work with Business Operations and Delivering teams on designing, building and deploying data analysis systems for large data sets.
Execute flawlessly on the DS project plan by adhering to timelines.
Execute the design, analysis, or evaluation of assigned projects.
Data Analytics and Reporting:
Explore and examine data from multiple disparate sources. Prepare a data collection plan from both structured and unstructured sources Collaborate and co-ordinate with Technology and Business teams for all data needs
Expert level proficiency in data handling (SQL) Data Discovery & Profiling.
Data Discovery & Profiling: Perform exploratory data analysis and generate insights Validate hypothesis developed during exploration phase Present initial results to business stakeholders and identify the next steps.
Data Modelling:
Create models using one or more of the platforms like R, SAS, Python and Matlab. Model creation would involve one or more of the following techniques:
1. Classification
2. Clustering
3. Time Series
4. Forecasting
Testing and validating the model
Deriving insights and recommendations from the models
Performing data visualization and presentation to clients
Innovation & Thought Leadership:
Provide thought-leadership and dependable execution on diverse projects.
Implement best practices and technology
Discover new opportunities where advanced analytical techniques can be leveraged for solving business problems.
Knowledge Management:
Document all modeling steps in a systematic way including modeling process, insights generated , presentations , model validation results and checklists built in the project Prepare a one pager document that outlines and quantifies the business impact due to the DS project.
https://www.ph4.org/b4_index.php?y=bbl
https://www.ph4.org/b4_index.php
https://ia800700.us.archive.org/epub/index.php?id=02TheNewTestamentInUrduHindustani1878HindoustaniPakistanChina&dir=/11/items/02TheNewTestamentInUrduHindustani1878HindoustaniPakistanChina&doc=UrduNewTestamentInjil-02&type=mobi
https://ia800706.us.archive.org/epub/index.php?id=03TheNewTestamentInUrduHindustani1878PakistanCentralAsiaIndia&dir=/8/items/03TheNewTestamentInUrduHindustani1878PakistanCentralAsiaIndia&doc=UrduNewTestamentInjil-03&type=epub
https://archive.org/details/04TheNewTestamentInUrduHindustani1878PakistanCentralAsiaIndia/page/n1
https://ia902909.us.archive.org/35/items/01TheNewTestamentInUrduHindustani1878PakistanCentralAsiaIndia/UrduNewTestamentInjil-01.pdf
https://web.archive.org/web/20170917183223/http://www.urdugeoversion.com/web/viewer.html?file=http://www.urdugeoversion.com/download/hindi/Kitab_i_Muqaddas_Hindi.pdf
https://web.archive.org/web/20170917183218/http://www.urdugeoversion.com/download/hindi/index.hi.html
https://web.archive.org/web/20160303220316/https://www.wbtcindia.com/bibledownloads/hindi_bible/
https://en.wikipedia.org/wiki/Bible_translations_into_Hindi_and_Urdu
https://www.wordproject.org/bibles/in/index_en.htm#1
https://find.bible/bibles/HINWTC/
हिन्दी बाइबिल ( Hindi 2007 Easy-to-Read Version ) PDF
https://live.bible.is/bible/HINWTC/COL/3?audio_type=audio
Vrishty Rustagi
Email id : vrustagi.79@gmail.com
Phone : +91-8447735113
PROFILE
More than 5.5 years of experience in analytics industry mastering a genre of analytics tools with domain expertise in BFS and Life Sciences.
Alumnus of IIT Bombay with a Post graduate degree in Biomedical Engineering and currently associated with Cognizant Technology Solutions, Gurgaon.
Proficiency in developing analytics based end-to-end solutions starting from embryonic stages.
Strong collaboration, team building, interpersonal, communication skills with proficiency at grasping new technical concepts quickly & utilizing the same in a productive manner.
Amongst the highest rated employees in the company CORE COMPETENCIES
Analytical Tools: Advanced SAS, R, Excel and Advanced VBA
Database: Teradata, Microsoft SQL Server, Microsoft Access
Software Packages: Excel Stats, Power Pivot
Application: MS Office
Functional: Consulting and Business Analysis; Statistical Modeling techniques such as Regression, Clustering, Segmentation, etc; Project Management
Certifications: Six Sigma Green Belt (British Standard Institution Management Systems) PROFESSIONAL EXPERIENCE
BFS Risk Analytics, S. Associate, Cognizant Analytics, Gurgaon [Mar’14 – till date]
Key Roles & Responsibilities
Accountable for managing model Implementation, validation and tracking of PD, EAD and LGD credit risk and stress testing models for various global portfolios for a leading bank.
Evaluate model performance assessment approach and formulate model validation framework for appropriate assessment of model parameters.
Automation, streamlining and scripting of the model implementation, validation and quarterly reporting process using advanced SAS macros
Review the feedback and recommendation provided by BASEL recommendation committee along with other stakeholders and re-engineer the existing framework. Also create mock-up decks based on real time data for comparison with the existing structure for further approval by client and regulators
Perform Root Cause Analysis for the generated risk triggers and generate additional analytical summary reports to aid recalibration/improvisation of the model
Function as a Client partner lead (withholding responsibilities such as handling communication with the client, create project management documents) and Training SPOC for associates in BU.
Achievements
Awarded the prestigious ‘Associate of the Year’ and ‘R&R Brite Champion’ award (Cognizant internal award) for exceptionally good work in the project. Successfully orchestrated the automation of quarterly model validation process via SAS macros which lead to significant reduction in time and effort (by 90%) and TAT for administering changes.
Executed the design and documentation of new framework for model validation based on regulatory feedback within a month of receiving the regulatory feedback review.
Received appreciation for building up a stepwise data check process using automated SAS macros for easy and early identification of probable issue in entire tracking process.
Sales Management, S. Associate at Cognizant Analytics, Gurgaon [July’14 – Feb’16]
Key Roles & Responsibilities
Reviewing and editing requirements, specifications, business processes and recommendations related to the proposed solution and developing functional/system IC plan designs for a leading pharmaceutical client.
Enforcing project deadlines and schedules, managing resources in accordance with project schedule and delivering high-quality services to the clients
Designing special incentive plans aimed at catering to specific marketing strategies such as project launch, product collaborations, etc
Achievements
Lead of team of 9 associates functioning as an offshore coordinator and accountable for implementation of Incentive Compensation solution.
Implemented various good practices in the team for fostering and inculcating innovation in team. One of such initiatives namely ‘Grey-Matter Hour’ was recognized in the top10 Delivery Excellence initiatives in the function.
Played a pivotal role in hiring and training of newly joined associates in the team via presentations and preparation hands-on exercises for developing business understanding and technical competencies (excel and SQL) for working in the team.
Associate at Cognizant Analytics (Market Rx), Cognizant, Gurgaon [July’11 – June’14]
Key Roles & Responsibilities
Worked on developing Statistical models for setting quotas for sales reps focused on attaining sales level goals for client while taking into account other non-quantifiable constraints such as equity, fairness, potential.
Development and implementation of Incentive Compensation plans for various products of the company and periodic analysis of performance of these reps against the set targets.
Worked from strategic level for modeling and execution of Special Incentive Plans for promotion of newly launched products or rapid growth of a product.
Achievements
Received the highly reputed ‘iExcel Award’ for extremely valuable contribution (Cognizant Analytics internal Biannual Awards), ‘Applause Award’ and several other accolades from the client for hard work, dedication and over-stretching beyond the call.
Won Idea/Innovator Award in July-August 2013 for developing and implementing a SQL based solution to a business problem which resulted in a considerable reduction in time and effort while maintaining the accuracy of data in the deliverables.
Other Professional Recognition and Achievements
Won 2nd prize in Cognizant Analytics Hackathon, an organization level competition in Cognizant Analytics, amongst more than 50 participants.
Member of Organizing Committee of Sales Management function, Cognizant Analytics since 2012 which works towards staging and showcasing functional capabilities across Cognizant and organized 2 road shows during the tenure.
Also, the team won 2nd prize for Best Business Function Stall in Associate Engage Month 2013. EDUCATIONAL QUALIFICATION AND ACHIEVMENTS Degree/Certificate Institute/ University Year of Passing CPI/%
M.Tech (Biomedical Engineering)
IIT Bombay
2011
2011
8.47
B.Tech (Biotechnology)
Amity University
2009
8.37
XII
Vanasthali Public School
2004
71.8%
X
Vishwa Bharti Public School
2002
71.4 %
Department Placement Coordinator at IIT Bombay and coordinated with 80 member core team for placements of over 1200 students in more than 300 companies. Also, won the Appreciation award for outstanding contribution towards the placement activities.
Was a part of the Youth council in Amity University and worked as Head Coordinator for organizing the tech fest for the Department consecutively for 2 years