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Data Analyst | Credit Risk Modeling

Secular Software Private Limited

08.2022 - Current

Data Collection & Organization: Collected and structured credit card acquisition data from multiple sources (internal databases, credit bureaus, and other relevant channels) using SQL, ensuring a comprehensive and accurate foundation for analysis.
Optimized SQL Queries: Wrote and optimized SQL queries to extract, transform, and join data from various acquisition channels and relational databases, enabling in-depth analysis of customer demographics, acquisition trends, and channel effectiveness.
Data Quality Assurance: Implemented robust data quality processes to identify and resolve issues such as missing values, duplicates, and inconsistencies, ensuring data reliability for downstream reporting and analysis.
Automated Data Processing: Developed SQL scripts to automate the structuring of data into standardized formats, streamlining data preparation for analysis and reporting, and enhancing operational efficiency.
Stakeholder Collaboration: Worked closely with business stakeholders to provide actionable insights on acquisition campaign performance, assisting in optimizing targeting strategies and improving campaign effectiveness.
Predictive Modeling for Loan Defaults: Contributed to predictive analysis projects aimed at forecasting customer default risks on personal loans, using historical loan data, credit bureau data, and other relevant sources.
Data Preprocessing & Feature Engineering: Managed data cleaning and feature engineering processes, including handling missing values, outliers, and generating relevant features such as debt-to-income ratio, credit utilization, and payment history.
Exploratory Data Analysis: Conducted detailed exploratory analysis of loan delinquency patterns, visualizing relationships between key features and loan default outcomes to uncover trends and inform decision-making.
Machine Learning Model Development: Participated in the development of predictive models using machine learning algorithms like Logistic Regression, Random Forest, and Gradient Boosting, evaluating model performance through training and testing data splits.
Credit Risk Assessment: Played a key role in identifying customer creditworthiness and preparing risk analysis reports to manage unsecured portfolios (credit cards) for retail banking, contributing to data-driven decision-making.
Loan Delinquency Analysis & Strategy: Analyzed loan delinquency data to identify trends and suggest actionable strategies for improving loan collection processes and recovery rates.
Optimization of Collection Strategies: Assisted in developing and refining collection strategies and capacity planning, leading to optimized channel operations, improved pay rates, and higher recovery rates.
Risk Mitigation & Reporting: Produced detailed risk analysis reports and insights, enhancing the bank’s ability to manage credit risk, reduce loan defaults, and improve decision-making in the credit approval process.

Summary

Overview

Work History

Data Analyst | Credit Risk Modeling

Education

MCA -

BCA -

Skills

Timeline

Data Analyst | Credit Risk Modeling

BCA -

MCA -

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