Niral J Shah

About

Engineer. Data scientist. Builder.

A career spent making difficult things easier to understand and inspect. Everything below is the CV, told in order, with the numbers each job produced.

Read the CV A bio to copy

The through-line

Every number comes with the working that produced it.

  • 3× multiple at acquisition, with 1.5× the loan book, from $1M MRR Fundo Loans
  • $265K saved by in-house automation, approved by PwC Fundo Loans
  • 14× faster from data to report PD Insurance
  • 65→90% faulty-tool prediction, over two years Maxim Integrated (Now Analog Devices)

How I got here

I studied electronics and communication engineering at Vishwakarma Government Engineering College, under Gujarat Technological University, graduating in 2015. My first job was as a yield engineer at Maxim Integrated (Now Analog Devices), where the product was chips and the work was data: large volumes of manufacturing measurements, and which of them meant a tool was going to fail.

Then came data work closer to money. Alongside a master’s in Data Science at Monash, on a merit scholarship, I analysed insurance risk at PD Insurance, worked as a research assistant at Monash University’s SoDa Labs, and built a forecasting proof of concept for Dusk Mobile. After it, as a self-employed data scientist, I forecast logistics planning for Trimble and built credit scores and fraud models for Cash Direct, a lender.

In 2021 I joined Fundo Loans as lead data scientist. In a small team, we took an Australian lender from $1M MRR to a 3× multiple at acquisition, with 1.5× the loan book: I built its data architecture, automated decisioning and bank-statement analysis from scratch, and in-house automation that saved over $265K, approved by PwC.

On the side I kept building. A stock price analyser that read the sentiment of news about a company. A credit score modelled on chess ratings. A small Python package, basicanalysis (opens in a new tab).

Mundane Read started with a school report. In my words on its About page: “Back in school, my teacher docked marks on my report writing. When I asked her to review it, she explained that we should not use removable adjectives, overly descriptive words, or include personal opinions.” In 2019 the stock analyser pointed sentiment analysis at share prices; Mundane Read measures the writing itself.

On the side, I’m building Creditcrest Technologies, lending software, and Mundane Read, a news reader. Both are built on the same rule: a number comes with the working that produced it.

Career

From electronics to evidence.

What each role produced, oldest first.

  1. 2011–15 B.E. Electronics & Communication Vishwakarma Government Engineering College

    Under Gujarat Technological University. In 2015, second place at Hack-Pi-Duino, a state-level hackathon, and honorary membership of GTU’s Innovation Council.

  2. 2016–18 Yield Engineer Maxim Integrated (Now Analog Devices)

    Automated descriptive-analysis reports that caught three major production issues in two months and saved US$38,150, and helped take faulty-tool prediction from 65% to 90%.

  3. 2018–19 Data Analyst PD Insurance

    Car-insurance risk: claims, policy costs and trends. Automated the monthly reporting and made data-to-report delivery 14 times faster.

  4. 2019–20 Research Assistant Monash University, SoDa Labs

    Research data compiled from scanned documents for the economics lab, with an optical-recognition model that took extraction accuracy from 10% to 74%.

  5. 2019–21 Data Scientist, self-employed Dusk Mobile · Trimble · Cash Direct

    Logistics planning for Dusk Mobile (74.45% accurate, built in 15 days) and Trimble, and credit scores and fraud models for Cash Direct, a lender.

  6. 2020 Master of Data Science Monash University

    On the Faculty of Information Technology’s International Merit Scholarship, studied alongside the insurance and research work.

  7. 2021–now Lead Data Scientist Fundo Loans

    In a small team, helped scale an Australian lender from $1M MRR to a 3× multiple at acquisition, with 1.5× the loan book, building its data architecture and automated decisioning from scratch.

  8. Now Building on the side Creditcrest Technologies · Mundane Read

    Lending software where every figure shows its working, and a news reader that measures the drama it takes out.

Beyond the desk

Walks, art shows and a hackathon.

  • 10.5M steps

    The GNR Walking Challenge

    An eight-week walking challenge he organised: 32 people, 10.5 million steps, about 6,000 each a day.

  • 44 artworks

    Le Louvre de Maxim

    A two-day show he organised that turned the office’s meeting rooms into a gallery of 44 pieces made by the people who worked there.

  • 2nd place

    Hack-Pi-Duino, 2015

    Virtual Hair Salon, an augmented-reality visualisation concept, took second place at a state-level hackathon.

  • 3 pastimes

    Off the clock

    • Table tennis
    • Stargazing
    • Listening to big band

Toolkit

What I work with.

Languages

  • Python
  • R
  • SQL
  • JavaScript
  • C++
  • C#
  • Java

Data & ML

  • Credit & fraud models
  • Automated decisioning
  • Bank-statement analysis
  • GenAI
  • NLP & sentiment
  • Forecasting
  • OCR

Web & platforms

  • AWS
  • Azure
  • Cloudflare Workers
  • Node.js
  • Django
  • ASP.NET
  • React
  • D3.js
  • REST APIs

Tools

  • CI/CD
  • Docker
  • Git
  • Tableau
  • Excel
  • RStudio
  • JIRA
  • Confluence

Recognition

Awards and honours.

  • Making a Difference

    Manufacturing IT, Maxim Integrated (Now Analog Devices)

    For automating descriptive-analysis reports for product engineers across all sites; it caught three major production issues and saved US$38,150 in its first two months.

  • Being Bold

    Yield Engineering Group, Maxim Integrated (Now Analog Devices)

    For the "Picture Book", a technical and architectural summary designed and delivered single-handedly in three months, against an estimate of a year.

  • Inspiring Business Ideas

    Senior management, Maxim Integrated (Now Analog Devices)

    For finding the lines of business that were losing money and proposing better ones.

  • International Merit Scholarship

    Faculty of Information Technology, Monash University

    Awarded to him at Monash, where he took his Master of Data Science.

  • Honorary member

    GTU Innovation Council, 2015

    Of Gujarat Technological University’s innovation council, in 2015.

Giving time

Volunteering.

  • Retail assistant, Sacred Heart Mission, Melbourne

    2018–20

    Weekends in the op shop on Chapel Street, Windsor: the clothes, the till and the donations.

  • Maths tutor, VD’s Venture

    2016–17

    Mathematics for underprivileged year 6 and 7 students. Ten started, seven stayed to the end, and the final-exam average was 76.52%.

Education

  • Master of Data Science, Monash University, 2018–2020 · International Merit Scholarship
  • Bachelor of Electronics & Communication Engineering, Vishwakarma Government Engineering College (Gujarat Technological University), 2011–2015

Certifications

  • Certified Mutual Fund Advisor and Distributor, Indian markets (2018–2023)
  • “Python for Data Science and Machine Learning Bootcamp” (Udemy, 2018)

Guest articles, Circuit Digest

For introductions

A bio you can copy.

For an event, an article or an introduction. Third person, and every line of it is on this page.

Short

Niral J Shah is a data scientist in FinTech and lead data scientist at Fundo Loans, where he helped a small team scale an Australian lender from $1M MRR to a 3× multiple at acquisition, with 1.5× the loan book. On the side, he is building Creditcrest Technologies, lending software that shows its working, and Mundane Read, a news reader that measures the drama it takes out. He is based in Parramatta, NSW.

Long

Niral J Shah is a data scientist who builds FinTech. As lead data scientist at Fundo Loans since 2021, he helped a small team take an Australian lender from $1M MRR to a 3× multiple at acquisition, with 1.5× the loan book, building its data architecture, automated decisioning and bank-statement analysis from scratch. On the side, he is building Creditcrest Technologies, lending infrastructure for Australian credit providers — twenty-three products, from identity and bank-statement assessment to loan management, payments and credit reporting — in which every figure carries the evidence behind it, and Mundane Read, which takes the drama out of news reporting and publishes its measurements beside the plainer version.

Before Fundo, Niral worked in data across manufacturing, insurance, research, logistics and lending: as a yield engineer at Maxim Integrated (Now Analog Devices), a data analyst at PD Insurance, a research assistant at Monash University’s SoDa Labs, and a self-employed data scientist for Dusk Mobile, Trimble and Cash Direct. He holds a Master of Data Science from Monash University, where he received the Faculty of Information Technology’s International Merit Scholarship, and a bachelor’s in electronics and communication engineering from Vishwakarma Government Engineering College, under Gujarat Technological University. He lives in Parramatta, NSW.

Signal over Noise

A build. A number. A good read.

Occasional notes on FinTech, data and plain writing: one thing I built, one number worth knowing with its source, and one thing worth reading. Sent when there is something worth sending.

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