top of page
  • Writer's pictureBSP

Maathangi Anirudh - KOSH

Maathangi Anirudh (ME1)

Interned at KOSH (a YC startup)

Domain: Data Science and Analysis


Initially, I decided not to pursue an internship in my second year. I thought I would rather spend the summer developing my skills. I was considering building my coding skills, while simultaneously preparing for the 3rd year internship season. Still, I had ample free time, and I grew bored a couple of weeks into the summer. So, I thought I could manage an internship along with skill development. I started scouting for interesting opportunities two weeks after the summer started. As it was pretty late, and I couldn't get a research internship at some foreign university, I had minimal options. I could have pursued a research internship in an Indian institute like IIMs, ISB, other IITs, etc. or I could have worked at a startup, which is what I ended up doing.

I've always been interested in finance. Even in 10th grade, I had difficulty in choosing between science and commerce. So, there was a part of me that always wanted to explore this field. I thought I could look for a fintech startup and work there. It would be my 3rd internship. I had done two more internships online earlier. One was with a venture capitalist firm, where I was an associate. I mainly engaged in deal sourcing, talking to founders, preparing market research reports, and analysing them. My second internship was a strategy role for an oncology company. My main motive is to explore as many avenues as possible because once I start working, I might not be able to explore as much. So that's why I opted for data science, since it was a field I hadn't explored before.


I started searching for companies two weeks after the summer vacation started. I mainly applied by reaching out to people on LinkedIn. I was looking for a start-up that was backed by YC, one of the largest startup schools, since it would assure me that I would be working for a promising startup with a good peer group. I also preferred that the founders be from IIT, since that boosts credibility. It gave me a sense of safety and security that at least the founder is my senior. I applied these tags on LinkedIn and found a start-up in the financial sector. They had a few data science roles open. I contacted the founder and initiated the interview process, in which they gave me a technical consulting role. The role that I was offered did not have any stringent prerequisites, and it gave me more exposure into data analytics and technical consulting.

Internship experience, hardships, and learning:

Kosh is a financial advisory company that provides group loans to blue-collar workers. My work primarily entailed analysing who to give loans to, and who to blacklist, since certain people tend not to return the loan on time. I used our database to identify potential loan recipients and recognize high-risk profiles susceptible to default. I had to use pivot tables and write SQL code. If I delve into the technicalities, I calculated the roll rates, which would show how many people who defaulted this month would also default next month. I identified these negative profiles and ensured we didn't give them loans. When I started, I knew very little about data science. I even had to learn how to operate Excel properly. But they assured me that I could develop these technical skills on the go. I could learn on the go. So, I learned SQL, JavaScript, Google Sheets, and Excel. The people were very supportive, and they helped me learn through YouTube videos and websites. This was my first offline internship, and I had to travel to Gurgaon up and down each day. Although this trip was exhausting, the people were supportive, and I made great connections. I had to complete a few projects, and the deadlines were flexible.

I had a lot of apprehensions. Being an introvert, there were many funny and awkward incidents. In fact, on the first day, I forgot to take my laptop, and I was sitting in the office doing nothing. Moreover, I was balancing this internship and my preparation for a 3rd-year intern season. I was learning DSA and doing case preparation, and it got hectic to manage. I would return home at 7pm, spend a couple of hours preparing, sleep at around 2am, wake up in the morning the next day, and start all over again. It was extremely tiring for me, but it was a small price for the experience and learning.


How you spend your 2nd year summer depends on what sector you want to work in. I was interested in finance, which I couldn't explore before, so I decided to look for fintech startups in Gurgaon and Bangalore. You can visit the YC website or look at start-ups founded by IIT alumni. These companies might give you greater learning exposure and a more significant learning curve than a random start-up. So spend some time researching the kind of start-up you want to get into. Then, prepare a list and send messages to these people. Reach out to as many people as possible; I applied to 20 - 30 startups and finally got this call.

Also, take every interview seriously, even if they seem minor. You might feel like you're applying to a small start-up and might get selected, but it's always better to give your best to take every interview seriously, prepare for it, and then go ahead.

131 views0 comments

Recent Posts

See All


bottom of page