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Articles by Vishal
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Vishal Morde shared thisOne month at Shopify and I'm already convinced the most interesting ML problems in payments and commerce are the ones we get to work on. I lead Data & ML for Payments & Cross Border at Shopify. These are the systems that move money for millions of merchants and decide, in milliseconds, which transactions to trust. Our team is growing and I'm hiring experienced ML talent to own these problems end-to-end: 🔹 Applied ML Engineers → https://lnkd.in/g6pJvFCk 🔹 Applied ML Engineering Managers → https://lnkd.in/gsbVHP4Z The work spans real-time fraud detection, credit risk assessment, auth-rate optimization, and cross-border intelligence. Real models, in production, at massive scale, in the critical path of real revenue. If you've shipped ML that money depends on and you want ownership, scale, and genuinely hard problems, I'd love to talk. Curious what we ship? Shopify Editions Spring '26 → https://lnkd.in/g6FbCtzn #Hiring #MachineLearning #Payments #Fintech #Shopify
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Vishal Morde shared thisAfter six remarkable years at Apple, I'm beginning a new chapter as Director of Data Science & ML at Shopify. Apple was the best work of my life. I joined for the scale and the craft, and I'm leaving with something deeper: the lessons, the taste, and a sharper sense of what great work feels like. I was lucky to work with the people I did. Why Shopify, and why now. My family runs a small business in Mumbai. Shopify's mission to make commerce better for everyone is personal for me. Merchant-first commerce, an agentic frontier, and a builder culture. Excited to get to work! #Shopify #DataScience #MachineLearning #AppliedAI #Fintech
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Vishal Morde shared thisAt Apple, we are building next-generation financial products and we are #hiring for an Operations Data Scientist role based in Austin or Raleigh. A great opportunity to craft end-to-end data solutions for improving customer experience and enhancing operational efficiency! Come join us and shape the future of Apple wallet, payments, and commerce! https://lnkd.in/guFHpvCXData Scientist - Wallets, Payments and Commerce - Careers at AppleData Scientist - Wallets, Payments and Commerce - Careers at Apple
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Vishal Morde posted thisSad to hear about layoffs at Meta, Twitter, Stripe, Lyft, and beyond. If you are a #data professional impacted by #layoffs, please reach out if I can be of any help with career advice, interview prep, referrals, etc. Stay strong; an even better role is waiting for you. Our biggest breakthroughs often come through our darkest times…
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Vishal Morde shared thishttps://lnkd.in/gjk84rse Very proud to work on a financial product that encourages saving for the future, especially in these uncertain economic times! #apple #applepay #fintech #savingsApple Card will let users grow Daily Cash rewards while saving for the futureApple Card will let users grow Daily Cash rewards while saving for the future
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Vishal Morde shared thisVishal Morde shared thisWe are looking to #hire an all-star Data Scientist to power data driven decisions as we are building next gen Fin-tech products. If you are interested in Data Analytics, Causal Inference Analysis, Business intelligence come join us and shape the future of Wallet, Payments & Commerce with this exciting opportunity. https://lnkd.in/gTqSf3Zp #datascience #apple
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Vishal Morde shared thisAmazing partnership between Apple and Goldman Sachs to create the best-in-class customer experience! #customerexperience #cx #jdpower #financialwellbeing #apple https://lnkd.in/g5afUBxzApple Card and Goldman Sachs ranked highest in customer satisfaction in J.D. Power studyApple Card and Goldman Sachs ranked highest in customer satisfaction in J.D. Power study
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Vishal Morde shared thisAt Apple, we are building next-generation fin-tech products and we are #hiring 'full-stack' data scientists at all levels. Our mission is to use data to make products that our customers can't imagine living without! We have several exciting roles in our Austin and Raleigh offices. Come join us and shape the future of wallet, payments, and commerce! #datascience #data #analytics #machinelearning #payments #commerce #fintech https://lnkd.in/g__tUjD
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Vishal Morde shared thisAt Apple, we are creating a best-in-class Data Science team in Hyderabad, India. Come and join us in building the next-generation payments/commerce products! #datascience #analytics #applepay #hyderabadjobs
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Vishal Morde reacted on thisVishal Morde reacted on thisWe've got it all: data, mission, culture. Managers, come build with me Shopify! Hiring data science and data engineering managers right now. DS: https://lnkd.in/gJjVCDYV DE: https://lnkd.in/gbnF5G3s
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Vishal Morde liked thisVishal Morde liked thisI’m delighted to announce that I’ve joined OpenAI! It’s thrilling to be at a company that’s reshaping the world. Heaven knows its products have transformed the way I work, and how much I get done. I’m excited to be in a position to help others do the same.
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Vishal Morde liked thisVishal Morde liked thisWe're hiring! I'm looking for senior + staff MLEs to work on payments fraud & risk at Shopify. Reach out if: -> You love applying cutting edge methodologies to actual problems. And you have the good sense to ship the fancy stuff only when it's the best tool for the job. -> You think fraud is interesting. You want to figure out what parts of our product put people at risk, and what quirks of the payments ecosystem enable bad behavior. -> You want to work with some of the best internal AI tooling in the world. Whatever future MLE roles look like, MLEs at Shopify will be ahead of the curve. Send me your resume -- I can't promise to respond to everyone but I will definitely take a look.
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Vishal Morde liked thisVishal Morde liked thisThe Q2 numbers are in, and it was a monster quarter. → $116B in merchant sales, up 32% YoY, our fifth straight quarter of 30%+ GMV growth → $3.6B revenue, up 34% YoY → $654M free cash flow, an 18% margin → Traffic and orders from AI channels both tripled YoY as ChatGPT, Google, and others become real discovery engines → 75% of AI-attributed orders came from outside the top 100 categories, the specialized long tail winning on relevance, not budget → Sidekick usage is up 3.6x YoY, helping merchants get to their first sale faster and run smarter after → Shop Pay crossed $400B in lifetime GMV → Iconic names across fashion, beauty, and retail all moved onto the platform this quarter Behind every one of these numbers is a simple job we've done for twenty years: absorb the complexity of commerce so merchants can focus on what they actually care about, their products and their customers. Today an entrepreneur can have an idea in the morning and their first sale by the end of the day. That's an entirely different velocity of entrepreneurship, and it's only accelerating. Watch the video for the full story on Q2 and what this new era means for entrepreneurs.
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Vishal Morde liked thisVishal Morde liked thisIn Q2 26, Shopify Payments crossed a trillion dollars in processed GMV with GPV penetration reaching 68%. Immensely proud of our team for building the backbone of global commerce. Onward!
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Vishal Morde liked thisVishal Morde liked thisThe Economist just called America "an entrepreneur's paradise." From where I sit, that's not hype. It's the clearest shift I've seen in twenty years of building for entrepreneurs. Their explanation is AI. They're right that it matters. But AI isn't the whole story. It's the accelerant. For a century, ambition had a cost most people couldn't pay. Capital. A storefront. A team. Permission from someone who'd already made it. So people chose the path that promised stability, and the dream of being your own boss stayed a dream. It’s not that people got more ambitious. It's that the price of acting on that ambition is collapsing. But here's the part I find even more interesting. It's not just that more people are starting businesses. It's which ones are starting to win. For years, the internet rewarded the popular. The biggest, broadest brands won the top of the page, and anything specific got buried. That's changing. I've been saying this all year: discovery is shifting from popularity to relevance. From how many people know a brand to how well a product actually fits what someone wants. And when merit wins, the advantage quietly moves to the small, specialized business built for a particular customer. At Shopify, I get a front-row seat to this every day. The momentum isn't coming from the giants. It's coming from the specific, the specialized, the ones too small to have ever made sense in the old economy. AI didn't replace the entrepreneur. It created millions more. https://lnkd.in/gnyqWsPD
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Vishal Morde liked thisVishal Morde liked thisI’m excited to share that I’ve joined OpenAI to lead Data Science for ChatGPT and Model Measurement. I believe deeply in OpenAI’s mission to ensure AGI benefits all of humanity. The chance to help shape what ChatGPT becomes and make it even more useful in people’s lives is a once-in-a-career opportunity. I can’t think of more meaningful work to take on. I’m grateful to be joining such an exceptional team, and excited to get to work.
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Vishal Morde liked thisPayments done right can be a major growth engine for all kinds of business. I spoke about our work on Shopify Payments with Maya Derrick at FinTech Magazine during my recent trip to the UK, explaining how we turn transaction scale into higher conversion and lower fraud, embed cross-border tools like Managed Markets, and build for an agentic-ready future. At Shopify our goal is simple: absorb the complexity so merchants can focus on what they do best. Read more below.Vishal Morde liked this💳 How is Shopify turning payments into a growth engine? Rohit Mishra, VP of Product at Shopify, explains how AI, embedded payments and global commerce infrastructure are helping merchants scale, simplify cross-border selling and improve customer experiences. Read more 👉 https://lnkd.in/esya5kjr #FinTech #Payments
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Vishal Morde liked thisVishal Morde liked this📣We're Hiring! I am excited to announce a new opportunity to join my team! Our team at Apple is looking for a full stack data scientist to support the Apple Card business based in Cupertino. This role sits at the intersection of analytics, finance, product, credit, and marketing, helping drive performance and insights for one of Apple's payments products. If you know someone who would be a great fit, please share this post. https://lnkd.in/e3df6DDEWPC Apple Card Data Scientist - Jobs - Careers at AppleWPC Apple Card Data Scientist - Jobs - Careers at Apple
Experience & Education
Licenses & Certifications
Volunteer Experience
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Volunteer
Boys and Girls Clubs of America
- Present 11 years 8 months
Children
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Volunteer
Red cross
Health
Projects
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Topic Modeling for Customer Complaints
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See projectThis project involves using LDA (Latent Dirichilet Allocation) algorithm to uncover hidden topics from customer complaints data. The complaints data was obtained from the Consumer Finance Protection Bureau website (https://www.consumerfinance.gov/data-research/consumer-complaints/) with a focus on credit card products.
Results: The model was used to categorize customer complaints into more accurate and intuitive categories, reducing rerouting of complaints and uncovering hidden themes in…This project involves using LDA (Latent Dirichilet Allocation) algorithm to uncover hidden topics from customer complaints data. The complaints data was obtained from the Consumer Finance Protection Bureau website (https://www.consumerfinance.gov/data-research/consumer-complaints/) with a focus on credit card products.
Results: The model was used to categorize customer complaints into more accurate and intuitive categories, reducing rerouting of complaints and uncovering hidden themes in the data.
Python Libraries used: Numpy, Pandas, NLTK, SpaCy, Gensim, Mallet, pyLDAvis -
Machine Learning for Fraud Detection with SMOTE, AutoEncoders and Isolation Forest
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See projectObjective: To build a predictive model for detecting credit card fraud using supervised and unsupervised Machine Learning and Deep Learning algorithms.
Data: Public dataset from Kaggle Challenge (https://www.kaggle.com/mlg-ulb/creditcardfraud). It has 284K samples and 30 independent variables.
Algorithms: Supervised ML - Random Forest, XGBoost, LightGBM with SMOTE (Synthetic Minority Oversampling TEchniques) for handling class imbalance Deep Learning-based Methods - AutoEncoders…Objective: To build a predictive model for detecting credit card fraud using supervised and unsupervised Machine Learning and Deep Learning algorithms.
Data: Public dataset from Kaggle Challenge (https://www.kaggle.com/mlg-ulb/creditcardfraud). It has 284K samples and 30 independent variables.
Algorithms: Supervised ML - Random Forest, XGBoost, LightGBM with SMOTE (Synthetic Minority Oversampling TEchniques) for handling class imbalance Deep Learning-based Methods - AutoEncoders Unsupervised ML - Local Outlier Factor, Isolation Forest
Conclusion: Fraud detection is one of the most interesting and complex Machine Learning problems. Typically it involves extreme class imbalance which needs to be handled by techniques such as SMOTE. Also, credit card fraud is an ever-evolving beast like Hydra! If you cut one head, 2 other heads will grow back in its place! This means a supervised learning framework does not work well because the model performance deteriorates very quickly. Unsupervised anomaly detection algorithms such as Isolation Forest show a great potential to develop a more robust fraud detection system
Honors & Awards
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2019 Ones to Watch Award
CIO & the CIO Executive Council
About the Ones to Watch Awards:
The Ones to Watch awards spotlight rising technology leaders who have what it takes to become strategic, C-level business technology executives of tomorrow. Candidates have a track record of success, an essential blend of communication and collaboration skills and a keen understanding of business goals.
About CIO:
CIO focuses on attracting the highest concentration of enterprise CIOs and business technology executives with unparalleled peer insight…About the Ones to Watch Awards:
The Ones to Watch awards spotlight rising technology leaders who have what it takes to become strategic, C-level business technology executives of tomorrow. Candidates have a track record of success, an essential blend of communication and collaboration skills and a keen understanding of business goals.
About CIO:
CIO focuses on attracting the highest concentration of enterprise CIOs and business technology executives with unparalleled peer insight and expertise on business strategy, innovation, and leadership. As organizations grow with digital transformation, CIO provides its readers with key insights on career development, including certifications, hiring practices and skills development. The award-winning CIO portfolio provides business technology leaders with analysis and insight on information technology trends and a keen understanding of IT’s role in achieving business goals. More information on CIO is available at www.cio.com. -
Loyalty360 Platinum Award for Loyalty Analytics
Loyalty360
Languages
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English
Full professional proficiency
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Hindi
Full professional proficiency
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Marathi
Full professional proficiency
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