Leveraged my expertise in SAS and SQL to design and automate process improvement task for sourcing data from a Database Server into analytical Data Marts, streamlining the design process and improving efficiency.Executed overall data integration, cleansing, manipulation, and aggregation, as well as data model designing and process improvement for reporting and visualization within a credit risk and marketing analytics platform using SQL and SAS. Consolidated data into an information model to enable tracking of business performance and strategic actions.Spearheaded monitoring the credit performance of customer portfolios and prepared detailed reports, categorizing them into default and non‑default groups. Utilized my expertise in risk management to segment customers based on risk association, identifying areas for further improvement. Effectively communicated findings and recommendations to Risk Management and the broader business community.Streamlined excel‑based reporting by utilizing advanced data visualization applications like Tableau and Power BI to create custom interactive dashboards and storytelling KPI dashboards to provide actionable insights and facilitate data‑driven decision‑making.Supervised generation of a comprehensive report comparing delinquent and non-delinquent accounts, further segmenting delinquency by buckets and analyzing customer movement using roll rate analysis and loss rate calculation in both accounts and dollars, analyzing delinquent accounts from cured vs improved vs un‑cured rate and suggested recommendations for appropriate collection strategies. Utilized loan portfolio analysis and reporting to identify top lending categories. Aligned loan products to meet customer needs and identify new lending opportunities. Informed decision-making enabled the bank to tailor its offerings and maintain a healthy loan portfolio while managing risk.