Founder
My work sits at the intersection of economics, data, and decision-making.
How I think
Educated in microeconomic reasoning and game theory, with formal training at IIM Calcutta, I learned early to think in terms of incentives and structure—how rules shape behaviour—rather than only surface outcomes.
Why this matters in lending
This foundation carried through consulting and later into machine learning, where predictive models delivered scale but revealed sharp limitations once decisions themselves began to shape behaviour. That tension surfaced most clearly in pricing: historical data often reflects past lending policies more than true customer sensitivity, which can make “elasticity” feel precise on paper yet fragile when policy changes in the real world.
What AltVector is built for
This realization led to a shift toward a cause–effect paradigm—designed to ask how systems respond when choices change, not just how patterns repeat. Today, my focus is decision-grade analysis: enabling institutions to price, allocate risk, and adapt policies with clarity, resilience, and foresight.
In plain words
- Incentives first: behaviour follows the rules we set.
- Policies over predictions: models should remain useful when conditions shift.
- Clarity over complexity: outputs must be explainable, reviewable, and deployable.
Contact
If you’d like to discuss pricing, risk allocation, or policy design, you can reach us via the contact page.