TransUnion CIBIL Limited

•Tools used SparkSQL,Tableau,
  PowerBI,pyspark,rstudio,Excel,PPT
•Worked on building application scorecard,decision trees and segmentation for better decision making solutions for banks by leveraging bureau data
•  Helped financial institutions with industry trends and actionable insights on various credit products using combination of demand,supply,vintage delinquencies,roll rate analysis and geographic opportunities through geo insights
• Took initiatives to strive for improvement in analytics techniques, processes, and output
• Examined data critically and perform analysis and synthesize trends out of them
• Major focus - Consumer,Commercial MSME segment marketsizing,portfolio benchmarking and client engagement
•Supporting regulatory reporting to RBI

Manager - Insights (Data Science and Analytics)

HSBC

• Worked on North America secured portfolio products like mortgages,helocs, heloans,CC as part of portfolio insights team
• Perfomed account management activities to identify early warning signals and flag key risk segments
• Worked on the optimization of the rule engine for the approval rate system to improve approval rates, identify reasons for decline, and work closely with businesses to implement changes to existing rules and cut-offs.
• Supported BCBS239 reporting for data governance
• Built a recession recovery plan to highlight portfolio quality and KPI's to business stakeholders for better decision-making.
• Worked on prepayment analysis and its impact during a downturn scenario using internal models and their performance.
•Performed macroeconomic risk study to identify key risks to portfolio basis interest movements,cross-border war, etc.
• Worked on a detailed study of competitor analysis to identify opportunities for business stakeholders to make changes in risk policies and drive growth.

Analyst - Business Consulting

CIBIL Credit Insights l Credit Risk | Equity Research

After learning the fundamentals of banking and credit risk management at HSBC , I am now learning how credit bureau data at Transunion Cibil can be leveraged to provide solutions to banks.

I have completed an MBA in IT with a specialization in data warehousing and business intelligence.

Currently, I am pursuing CFA L1 and learning more about banking and finance business through data.

I am interested in technical chart analysis,credit risk, derivatives, and data analytics.

Taplio

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Suyog Shanbhag

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