Ratnakar Pandey has more than 18 years of experience in analytics and data science fields. At Kabbage, he has led the machine and deep learning models development activity across the customer life cycle, 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 few startups in India. He has got an MBA from ISB Hyderabad, MS from the University of Arkansas, and B.Tech from HBTI Kanpur.