Ntando Gumede

Data Scientist @FNB south africa | ECSA Candidate Engineer

Midrand, Gauteng, South Africa

About

I am a Data Scientist with an Electrical Engineering background, specialising in Machine Learning, customer decisioning and collections analytics within financial services. I build end-to-end ML solutions that move beyond experimentation into practical business applications — from data preparation, feature engineering and model development through validation, UAT, deployment and production execution. My experience includes developing propensity and channel optimisation models, identifying collections opportunities, designing customer treatment and campaign strategies, and supporting production campaigns focused on arrears recovery and impairment reduction. I combine Machine Learning, business rules, risk strategies and customer behavioural analytics to translate complex data into actionable decisions and measurable business outcomes. My technical experience includes Python, SQL, SAS, LightGBM,XGBoost, Random Forest,Linear Regression, scikit-learn, AWS EC2, Git/GitHub, Streamlit and Power BI, alongside model documentation, stakeholder engagement and production implementation. With a BSc (Hons) in Electrical Engineering, I bring an engineering approach to Data Science: understanding the problem, designing the solution, testing it rigorously and taking it through to implementation. Areas of focus: Machine Learning • Decision Science • Collections Analytics • Customer Decisioning • Predictive Modelling • Campaign Strategy • ML Deployment • Financial Services

Experience

  • Data Scientist at FNB South Africa
    May 2025 - Present · 1 yr 6 mos

    Building and deploying end-to-end Machine Learning solutions for Collections and Customer Decisioning, from feature engineering and modelling through UAT and AWS EC2 cloud deployment with GitHub integration .Develop propensity and best channel optimisation models, identify collections opportunities, design campaign strategies, and execute production campaigns targeting arrears recovery and impairments. Combine ML, business rules, risk strategies and collections analytics to drive measurable customer and business outcomes.

  • PSG Wealth (2 yrs 4 mos)
    • Junior Data Scientist
      Jan 2025 - May 2025 · 5 mos

    • Junior Project Engineer
      Jan 2024 - Jan 2025 · 1 yr 1 mo

    • Graduate Project Engineer
      Feb 2023 - Jan 2024 · 1 yr

  • Vacation Student at Hulamin
    Jan 2022 - Mar 2022 · 3 mos

    Teamwork, Engineering and +2 skills

  • Electrical Engineering Intern at Hulamin Pty Limited
    Dec 2021 - Mar 2022 · 4 mos

  • Vacation Student at Hulamin
    Dec 2020 - Mar 2021 · 4 mos