Ratnakar Pandey has more than 17 years of experience in analytics and data science fields. At Kabbage, he is leading the machine and deep learning models development activity across the customer lifecycle, from acquisition to customer engagement to fraud prevention to risk-based underwriting policy development. Prior to joining Kabbage, he has been a part of the data science leadership team in Citigroup, Target, Texas Instruments, and a few startups in India. He has got an MBA from ISB Hyderabad, MS from the University of Arkansas, and Btech from HBTI Kanpur.