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Imagine if you could take a company’s financial pulse with a single number. If the number is high, the company is healthy. If it’s low, the company might be heading for the ICU (bankruptcy). That is exactly what the Altman Z-Score does. In the world of Financial Risk Management, this is one of the oldest and most famous tools for predicting corporate distress. Whether you are a Data Engineer building a risk pipeline or an investor looking at stocks, understanding this score is a fundamental skill. ...

The transition from a traditional banking environment to a global investment bank like Nomura is more than just a change in title—it is a shift in how one views the lifecycle and velocity of financial data. My journey began with over a decade at Indian Overseas Bank (IOB), where I focused on the technical orchestration of credit and performance systems. Today, that foundation supports my work as a Data Engineer cum Software Engineer, building high-performance pipelines and open-source financial utilities. ...

After more than a decade in FinTech, I’m launching this blog to share insights on credit risk, data engineering, and asset management analytics.