- Conducted in-depth data analysis and credit risk strategy projects using advanced tools (Python, SAS, SQL, Tableau), providing actionable recommendations to senior management.- Contributed to the Financial Resources Plan (FRP), ICAAP, and Stress Testing- Oversaw end-to-end model review and validation for IFRS9 and Expected Credit Loss (ECL) models, ensuring accuracy and compliance.- Engaged in project plans including design, development, and implementation of the end-to-end credit life-cycle, enhancing system implementation time by 25% for policy changes.- Led initiatives to improve data quality and automate risk reporting systems, resulting in a 30% increase in reporting accuracy and efficiency.- Collaborated with cross-functional stakeholders to interpret data and provide analyses for policies and strategies, advising and implementing policy changes as appropriate.

- Extracted and analyzed data using SAS, presenting key findings that informed strategic decision-making for senior management.- Prepared comprehensive credit reports, including PQR, Credit Risk MIS, and regulatory documentation, providing critical commentary on portfolio trends.- Acted as product owner for updates to the Credit Decision Engine (CDE), ensuring effective management of end-to-end credit change requests.- Contributed to diverse Risk projects, including COVID-19 policy adaptation and co-branded initiatives, enhancing operational strategies.- Developed risk policy proposals through in-depth analysis, identifying high-risk segments and recommending corrective actions.

- Analyzed performance and operational data using SQL, supporting strategic decision-making.- Developed and monitored analytical tools and reports, enhancing data-driven insights for management.- Created interactive dashboards and visualizations to identify trends, leading to actionable recommendations.- Delivered local reporting to Home Credit International, providing detailed insights and observations.

- Updated and revised the Operational Monitoring Report using SQL, facilitating process monitoring and segmentation.- Performed UAT activities for new system functionalities, ensuring satisfactory performance prior to deployment.