Want to become a Credit Risk Modeler/Analyst in top banks & fintechs (HDFC, Axis, ICICI, Bajaj Finance, American Express, Goldman Sachs) and earn ₹15–30 LPA in 2026 – even as a complete beginner? This is the EXACT 3-Month (12-Week) Zero-to-Hero Roadmap that thousands of people are quietly following right now to break into one of the highest-paying data science roles in India. Timestamps: 00:00 – The harsh truth about credit risk jobs in 2026 00:31 – Full 3-Month Roadmap Overview 01:10 – Month 1: Python, Pandas & Data Cleaning (Week 1-2) 03:03 – Master SQL like a pro (Week 3) – Vintage & DPD 04:02 – WoE, IV & Logistic Regression (Week 4) 04:33 – Decision Trees → Random Forest → XGBoost (Week 5) 05:08 – SHAP & LIME – Explain models like a senior (Week 6) 05:49 – Apache Spark + Feature Engineering (Week 7) 06:53 – Jupyter, Pipelines & Model Deployment (Week 8) 07:26 – PD Trends, Vintage Curves, PSI (Week 9) 08:10 – Git, Documentation & Pull Requests (Week 10) 09:00 – Workflow Automation Tools (Gravity) (Week 11) 09:33 – Final Revision + End-to-End Project (Week 12) 10:07 – Daily 2-Hour Study Routine that actually works Download FREE Roadmap PDF + Weekly Checklist → Link in pinned comment Skills you will master: → Python, Pandas, NumPy → Advanced SQL (Window functions, Joins, Vintage analysis) → PD, LGD, EAD, Scorecards → Weight of Evidence & Information Value → Logistic Regression + XGBoost + Random Forest → SHAP, LIME, Force Plots → Apache Spark (PySpark) → Git, Pipelines, Model Deployment → Real banking projects & interview questions No prior experience or fancy degree required – just 2 hours daily consistency. Start today → Land your dream credit risk job by April–May 2026! Like + Subscribe Turn on Bell → New roadmap every week! #CreditRisk #DataScienceJobs #Roadmap2026 #rajatkumar