Unsecured Portfolio Insights

DBMS and Reporting in SAS Studio, SAS Viya and EG in UNIX platform•Utilizing analytics skills and business knowledge to analyse key data to explain historical, current and future business performance, define business opportunities and explain the outcome and recommendations to business stakeholders.•Collect, manipulate and analyse data, communicate insights in an easy to understand, meaningful manner, enabling stakeholders to see analytics presented visually using Tableau and SAS VA.•Engage and collaborate with business stakeholders to understand business reporting objectives and requirements.•Cross functional collaboration with other teams to access, gather and combine different data sources as needed to meet business analysis requirements.•Develop directly to create, enhance and maintain dashboards, identify areas for focus and provide knowledge of how to drive improvement.•Drive the team towards operational excellence and innovate continuous improvement of analytics methodologies, tools, models to drive efficiency.Data Visualization: SAS Visual Analytics and Tableau.•Preparing Periodic review and portfolio monitoring for group risk committees.•Reporting to Group supervisory bodies and the regulator, reports based on Corisq and Portfolio.•Prepare limit consumption and availability of portfolios based on different metric of exposures (net, gross, cvar etc).•Calculate the credit risk mitigates used and not use based on the different kind of guarantees.•Global and local audit trails developed for audit purpose.•Different dashboards prepared to illustrate visualization like traffic light indicators for availability, saturation and overshoot at Corisq and Portfolios level.•Developed Top 20 global, entries, outflow and variation’s consumption at contract/group level dashboards.

DBMS and Reporting: in SAS PC and EG in UNIX and windows platform, SQL, Excel Basic and Advanced•Prepare origination data mart from data warehouse to production folder and make use of it for various analysis based on performance analysis for received application from region to state to province to branch and channel for both secured and unsecured products•Prepare Retail credit analysis funnel for the application received to approved, cancelled, declined, booked and funded. Compare received to approve rate and approve to booked rate and overall booked rate.•Prepare application with approval based on score, exceptions (TDSR, GDSR, INCOME, SCORE, LTV) and customer type (Premier, Advanced and Retail)•Prepare periodic performance for each product category number of active customer and balances, Risk weights assets, Delinquency by (#) and ($) group by (0-29,30-59,60-90,90+, CO), new origination and new balance, average loan per account from history to current, roll rate analysis for current to x and x+2, prepare good vs bad rate customer•Review loans in portfolio to ensure the credit union remains adequately secured by the collateral and that the borrower continues to have the ability to repay the loan. Also, responsible for identifying potential problem loans and making recommendations to Loan Committee.Data Visualization: In Tableau and Excel Automated Dashboard•Prepare Origination and Performance reporting to create multiple dashboards for drill down analysis and specific KPI metrics for both secured and unsecured products.•Design data architecture and solve complex data integrity issues and create data model in Tableau making dimension and fact table relationship. Design various charts to explain the trend and perforce by portfolios over the period of time•Create product association for more drill down analysis in Tableau•Design multiple excel pivot reporting and automation of excel reporting process

•Adhere to RBI/NHA (National housing board)’s Credit Policy and Code of Banking Practice with the objective of maximising revenue and minimizing risk.•Analysed financial capacities and credit-worthiness of the applicants to sanction loan.•Identifying a variety of risks involved and developing effective measures to provide accurate judgments.•Analysing historical records and data to determine the future paying capacities of the customers to safeguard repayments.•Recommend changes in the Credit Policy to the Credit Directory.•Process implementation and adherence of funding as per RBI guidelines.•Ensure compliance with applicable federal, state, agency, investor and statutory guidelines.•Performing various verifications to determine the authenticity of data. (Financial documents authentication).•Work closely with Regional level underwriters in calculating the risk involved with loan and based on the quantum of risk involved in making decisions for any further implementation to fix loopholes.•Analyse the performance of existing client’s loans and products. •Ensuring adherence to laid down processes and initiating corrective action if necessary.•Ensured system compliance with legislative requirements and reform regulations.•Prepared and conducted intensive training for department employees.•Managed, trained and mentored junior analysts.•Well versed with Key Credit principles and policies, challenges in Loan underwriting•KPMG and internal Audit queries resolution within the given time frame.•Working in an advisory capacity with Business unit heads to identify and mitigate AML risks as well as threats through bribery & corruption, sanctions regulations, typologies and their risk to the bank.•Complete extensive thorough investigations to determine if unusual account activity is present and provide analysis of findings in written format.

•Define, implement and review processes and policies to ensure compliance with corporate guidelines and regulatory expectations as they relate to AML/KYC and other risk compliance requirements.•Identify policy and process gaps and implement improvements designed to increase efficiencies and reduce defects.•Advisory to the Front Office on KYC Refresh.•Creating cases, securing all required documentation necessary to make a sound filing decision, provide a suggested disposition based on the information available and the relevant facts, and perform any additional follow-up as required or assigned.•Sourced a wide selection of client documentation from internal and external data sources in order to extract key information and validate client’s identity and reputation in order that they meet KYC checks.•Filing Suspicious Transaction Reports in case of Suspicions Transaction observed in accordance with the AML policy of the Branch.•Having end to end knowledge on KYC parameters.