Banking Credit Cards Performance AnalyticsResponsibilities:Data Collection and Organization:Gather and organize data on credit card account activity from various sources, such as transaction records, customer profiles, and payment history.Data Analysis:Examine credit card data to identify trends, patterns, and anomalies.Evaluate spending patterns, payment behaviours, credit utilization rates, and customer segmentation.Insights Generation:Derive valuable insights to aid in making informed business decisions related to credit card marketing strategies, risk management policies, and customer service enhancements.Reporting:Create detailed and informative reports to communicate analysis and insights effectively to key stakeholders.Loan Approval Automation and Risk AssessmentResponsibilities:Implemented a loan approval automation system and enhanced risk assessment capabilities for a banking institution, focusing on streamlining loan decisions while minimizing credit risk.Utilized SAS for data cleansing, outlier detection, and feature engineering to prepare data for advanced analytics and predictive modeling.Designed and deployed rules-based decision engines using Flask for automated loan approval/rejection based on predefined risk thresholds and regulatory guidelines.Monitored key performance indicators (KPIs) such as delinquency rates, portfolio quality metrics, and loan approval turnaround times using SQL queries and visualized data using Power BI.Presented project updates, risk assessment findings, and automation outcomes to senior management and stakeholders, demonstrating project impact and ROI.