shashanpande.
Curiosity journalRESUME

Shashan Pande / Inside my mind

Skip to my work

01 / THE QUESTION

It starts with
“how?”

How does a machine learn?
What makes a product feel effortless?
Why do some stories stay with us?

02 / THE CONNECTIONS

Follow it
all the way in.

Technology leads to people. History leads to choices. A credit card leads to a question about incentives. I like following the connections.

03 / THE PERSON

All of that.
A little of me.

I’m Shashan. Credit strategy is my work. Curiosity is how I approach it—and pretty much everything else.

Explore my curiosity journal
An AI-stylized portrait of Shashan Pande wearing green glasses and a dark sweater
Can machines learn?AI & productsWhat shapes our choices?History & storiesWhat’s out there?Space & possibilityWhy do people choose?Strategy & incentives
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Enter the journal
AI & PRODUCTSHISTORYSPACEFOODALWAYS LEARNING

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
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.

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.

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
2023 — PRESENT

Credit One Bank

Risk Analyst 3

Balance growth strategy · Previously, Spend & Get Rewards program owner
2022 — 2023

Zeno Group

Research and Insights Intern

Campaign analytics, customer segmentation, and competitive research
2021 — 2022

Extend

Data Scientist — Risk Operations & Revenue Analytics

2016 — 2019

Siemens

Channel Manager

24-partner channel · $550K+ in quarterly sales
2010 — 2013

The Last Bench

Co-Founder

$150K in revenue · $50K in gross profit

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.

Technology12

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 +
History05

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 & energy06

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 +
Life & food09

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 12 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.

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