shashanpande.
Curiosity journalRESUME

Shashan Pande

Credit strategy, with curiosity.

I turn credit data into decisions: who to reach, what to offer, and how to grow without taking on the wrong risk. Curiosity is how I get there.

See my workExplore my curiosity journalResume (PDF)
An AI-stylized portrait of Shashan Pande wearing green glasses and a dark sweaterCredit strategy

Shashan
Pande

SP / ALWAYS EXPLORING
SHASHAN PANDECredit strategy · Curiosity
  • Credit strategycore
  • Risk analyticscore
  • Credit risk analytics · strategy
  • SAS · Snowflake · PySpark · Python
  • Curiosityincluded

APPROVED · THANK YOU

Resume (PDF)Curiosity journal

TAP A CARD

Things I can’t stop
asking about.

A MIND THAT LIKES TO WANDER

Always asking
“how does that work?”

ABOUT ME

I’m product-minded: I like understanding how things work, why people choose them, and what makes them useful. That curiosity connects my credit strategy work with my interests in AI, new technology, stocks, and credit card offers. Beyond that, there’s history, geography, space, renewable energy, good food—and learning to snowboard.

$3B+

Card portfolio supported by
balance-growth workstreams

16%

Return on assets achieved by
the Balance Transfer strategy

10M+

Product SKUs analyzed
at Extend

01 / THE WORK

Where curiosity
becomes useful.

From customer-level signals to portfolio-wide choices, I connect the details to the business outcome.

Selected results from my professional experience. Context and scope are included in each project.

TRY IT

Growth or risk?
You decide.

A toy model of a credit card portfolio. Move the levers and watch the trade-off.

Accounts approved
520of 1,000 applicants
Expected loss rate
13.7%of balances, per year
2-year profit
$87kafter losses and costs
−$200k−$100k$0$100k06121824 months
Cumulative profitIf losses run 30% better or worse

A static example: balanced approvals, a $5,000 line and 22% APR. Turn on JavaScript to move the levers yourself.

Illustrative model with made-up assumptions. Not based on any real portfolio.

THE APPROACH

Good questions.
Better decisions.

I bring a commercial lens to technical work: understand the economics, test the assumptions, and make the next action clear.

  1. 01

    Start with the business question.

    Define what matters: profitable growth, customer behavior, pricing, or execution.

  2. 02

    Find the signal. Test the tradeoffs.

    Connect segmentation, financial modeling, and experimentation to a decision.

  3. 03

    Make it useful. Make it repeatable.

    Work across Finance, Marketing, Risk, and Technology teams to turn analysis into action.

02 / THE STORY

A path shaped
by learning.

Shashan as a baby, cheek to cheek with a parent, smiling.
Where the curiosity started.

Before I was building credit strategies, I was building a business.

I co-founded a merchandising venture while studying engineering, then worked across channel management, product strategy, and data science. Today, that perspective shapes my work at Credit One Bank: connect the analysis to the economics, and the economics to execution.

Read my full background PDF
Fig. 01 · A circuit becomes a shopfront

2009 — 2013 · MUMBAI

Engineering by day, a business by night.

I studied electronics engineering and co-founded The Last Bench, a merchandising venture, on the side. It taught me that numbers only matter when someone buys.

Fig. 02 · One hub, many partners

2014 — 2019 · INDIA

Learning how things get sold.

An MBA, then channel management at Siemens and product work at Tata Consultancy Services. Partners, pricing, pipelines: the commercial side of technology.

Fig. 03 · Mumbai to Boston

2019 — 2021 · BOSTON

Crossing over to learn the numbers properly.

I moved to the U.S. for an MS in Analytics at Northeastern, and taught SAS, SQL and Python labs along the way.

Fig. 04 · Noise settles into a trend

2021 — 2023 · DATA

From data to decisions.

Data science at Extend, then research and insights at Zeno Group. Models are useful; the decision they change is the point.

Fig. 05 · A card, a rising line

2023 — NOW · LAS VEGAS

Credit strategy, with curiosity.

At Credit One Bank I work on balance-growth strategy for a credit card portfolio. Same habit as always: ask how it works, then make it work better. Lately I’m part of the ECM AI team, building the semantic layer that lets executives ask the data questions in plain English.

Every role,
at a glance.

Every role, in order.

  1. 2023 — PresentCredit One BankRisk Analyst 3
  2. 2022 — 2023Zeno GroupResearch & Insights Intern
  3. 2021 — 2022ExtendData Scientist, Risk Ops & Revenue Analytics
  4. 2019Tata Consultancy ServicesProduct Manager
  5. 2016 — 2019SiemensChannel Manager
  6. 2013 — 2014GNR BrandsOperations Executive
  7. 2010 — 2013The Last BenchCo-Founder
More experienceInternships & part-time
  1. 2021Northeastern UniversityGraduate Teaching Assistant
  2. 2020 — 2021RedCrowGraduate Co-Op
  3. 2015Hurom IndiaProduct Strategy Trainee

03 / FOLLOW THE CURIOSITY

Small questions.
Very big rabbit holes.

From the hinge in a phone to a star in Orion. A collection of things I’m learning about, with room for wonder and links to go deeper.

AI & ProductsTechnology

Dots made me ask a bigger question: what makes AI useful?

What I’m learning about language models, messy web data, and the gap between a bigger model and a better product.

READ THE NOTE +
History & Culture

The Mahabharata refuses to make people simple.

Why I admire the epic—and the scale of Bibek Debroy’s translation work.

READ THE NOTE +
Space & Science

Betelgeuse: a star with a terrible sense of human timing.

A red supergiant, a dramatic dimming, and why “soon” is a slippery word in astronomy.

READ THE NOTE +
Food

Pane e Vino, Miami Beach: curiosity with a side of pasta.

My favorite Italian restaurant—and the craft behind the place.

READ THE NOTE +
Explore all 13 notes

OFF THE CLOCK

Questions worth
looking into.

Research that connects market signals, consumer behavior, and business decisions.

WORKING PAPER · SSRN

Can equity markets signal consumer credit stress?

The Equity-Implied Consumer Credit Stress Index (ECCSI) explores consumer credit stress through equity returns, with open-source code and an archived, citable dataset.

Ask me about the research
PEER-REVIEWED BOOK CHAPTER · 2018

Understanding the other side of brand relationships.

Co-author of “Consumer-Brand Relations: An Investigation Into the Concept of Brand Hate,” published by IGI Global.

Read the publication

THE TOOLKIT

Business perspective.
Technical depth.

SQLPythonSnowflakePySparkSASStreamlitTableauPower BIAdvanced Excel

MS in Analytics · Northeastern University
MBA · BML Munjal University
MBA in progress · Trine University, expected December 2026

04 / THE PEOPLE BEHIND THE PERSON

My greatest support
isn’t on my résumé.

My wife, my parents, and my friends are a huge part of who I am. A page about my work and my interests would be incomplete without them.

MY WIFE

Always in my corner.

My wife’s support means more to me than a list of accomplishments could show. As I explore new ideas, take on challenges, and figure out what comes next, knowing she is beside me makes a real difference.

A proud husband
MY PARENTS

Where the story begins.

Both my parents have helped shape the person I am. Their influence is part of how I approach life, learning, and the people around me. Whatever I go on to build, they will always be part of its foundation.

MY FRIENDS

Life is better shared.

My close friends are part of my support system, too. I’m grateful for their place in my life. The people who stand beside you matter just as much as the direction you’re heading.

This part is the most important one. — Shashan

05 / LET’S CONNECT

Something in common?
Let’s talk.

I’m open to conversations about credit strategy, risk analytics, and strategy & operations—or a shared curiosity.
Based in Las Vegas. Open to relocation.

Get in touchLinkedIn