Richa Mishra

Accomplished Technical Analyst and Software Engineer with over 7 years of professional experience, specializing in risk analytics and data engineering within the banking and financial services sector. Proven expertise in architecting and optimizing Python-based models for default risk prediction, driving quantifiable enhancements in credit risk assessment frameworks. Proficient in optimizing complex SQL queries, building robust REST APIs, and developing advanced data integration (ETL) pipelines.

Combines a solid technical foundation in data structures and computer vision with deep domain knowledge of banking regulations, risk management, and end-to-end software development lifecycles (SDLC) to deliver high-impact, business-critical solutions.

Technical Analyst (Risk Analytics & Data Engineering) at Maybank (2022-05 – 2026-06)

Spearhead the development, maintenance, and optimization of critical Python-based financial models designed to predict and mitigate default risk, directly strengthening the bank's wholesale and retail credit risk assessment frameworks.

• Model Optimization: Re-engineered predictive risk analytics codebases utilizing Pandas and NumPy, boosting data processing speeds by 25% and cutting critical model runtime execution cycles.
• Database Performance Tuning: Engineered and tuned complex Oracle SQL queries, stored procedures, and analytical functions; eliminated resource bottlenecks, resulting in a 30% reduction in end-of-day data retrieval latency.
• Data Quality Assurance: Created automated data validation and cleaning scripts that processed millions of customer transaction rows daily, ensuring 99.8% data accuracy before feeding into upstream credit decisioning systems.
• System Stability & Monitoring: Maintained a 99.9% uptime baseline for the risk analytics infrastructure by tracking system down-times via Kibana and implementing preventive debugging protocols.
• Cross-Functional Collaboration: Partnered closely with Risk Management Analysts, Data Scientists, and Business Stakeholders to translate complex regulatory mandates into efficient technical solutions, supporting data-driven capital optimization decisions.
• Documentation Excellence: Structured and maintained extensive Technical Design Documents (TDD) and disaster recovery operation guides, significantly reducing onboarding times for new engineering team members.

Software Engineer (C2H Contract) at Capgemini Engineering (2021 – 2022)

Delivered robust backend engineering services and system utilities for enterprise clients, ensuring smooth deployments and multi-platform support.

• API Development: Architected and implemented production-grade RESTful APIs and backend services using Python, enabling secure, low-latency microservices communication.
• Cross-Platform Utilities: Designed and deployed cross-platform interactive command-line automation tools optimized for Windows, Linux, and macOS environments, automating repetitive infrastructure setup tasks.
• Testing & Release Support: Provided comprehensive technical support across critical phases of the software release lifecycle, including System Integration Testing (SIT), User Acceptance Testing (UAT), and production hot-fixes.
• Technical Documentation: Authored detailed deployment playbooks, user guides, and API specifications that minimized production release failures and streamlined post-deployment support.

Principal Investigator (Computer Vision & Deep Learning) at Department of Science and Technology (2018 – 2021)

Led state-sponsored research initiatives focused on advanced image processing and machine learning application frameworks.

• Machine Learning Models: Developed and implemented deep learning architectures using Keras and TensorFlow for multi-class image classification and precise feature identification.
• Data Pipelines: Engineered specialized backend data pipelines in Python utilizing OpenCV, NumPy, and Pandas to efficiently ingest, clean, and augment large-scale unstructured image databases.
• Algorithm Innovation: Researched and modified mathematical image processing algorithms, coordinating with frontend developers to seamlessly integrate backend models into functional user applications.

Regional Coordinator at Draeger Medical India Pvt Ltd (2010 – 2011)

Managed large-scale medical infrastructure deployments, handled preventive and breakdown maintenance, and performed rigorous calibration testing of high-precision respiratory systems.

Project Assistant at Indian Institute of Science (IISc) (2009 – 2010)

Programmed intelligent biomechanical control mechanisms for an artificial arm prototype using embedded ARM KEIL C51 microcontrollers.

Project Trainee at Philips - Base of Pyramid Program (2008 – 2009)

Researched and built signal processing applications inside MATLAB/Simulink to analyze structural conduction velocities and vibration thresholds of vocal acoustics.

Master of Technology (M.Tech.) in Biomedical Engineering – Manipal Institute of Technology (2007 – 2009)

Bachelor of Engineering (B.E.) in Biomedical & Instrumentation – North Gujarat University (2002 – 2006)