Akshita Chugh
Delhi
Summary
Dynamic analytics professional with a proven track record at BlackRock, specializing in risk analytics and predictive modeling. Expert in Python and SQL, I have successfully developed scalable solutions that enhanced decision-making and improved portfolio performance. Adept at collaborating with cross-functional teams, I leverage critical thinking to drive impactful business strategies.
Overview
1
1
Certification
8
8
years of professional experience
Work History
Associate
BlackRock
Gurugram
07.2023 - Current
- Built scalable portfolio analytics products using Python, SQL, and data visualization frameworks, providing actionable insights from complex risk and investment data for enhanced decision-making.
- Designed and developed Fixed Income Investment Risk analytics solutions supporting portfolio managers, investment risk teams, and business stakeholders across global fixed income portfolios.
- Developed performance attribution analytics to evaluate portfolio return drivers across sectors, issuers, duration, and other characteristics, facilitating deeper insights into investment performance.
- Built Trade Impact Attribution Analytics to decompose portfolio performance into Market Impact, Trade Impact, and Benchmark Rebalancing components, helping investment teams assess trading decisions and portfolio changes.
- Designed risk monitoring frameworks and analytical scans to identify Issuer Concentration Risk and potential portfolio exposure risks.
- Created AI-powered fixed income research assistant utilizing generative AI, LLMs, RAG architecture, and semantic search, streamlining document discovery and generating citation-backed investment research summaries.
- Built configurable Python-based analytics frameworks to automate dashboard generation and enable reusable analytical solutions across multiple investment products, improving scalability and reducing manual effort.
- Partnered with portfolio managers, risk teams, and technology stakeholders to translate investment requirements into scalable analytical solutions and enhance decision-making capabilities.
- BlackRock - Analytics & Fixed Income Investment Risk Professional
Senior Consultant
EXL
Gurugram
06.2022 - 07.2023
- Determined optimal Application Score cutoffs for credit card portfolios across multiple business segments by analyzing borrower risk characteristics, improving approval rates by 8% while maintaining a loss-neutral risk profile.
- Evaluated application score model performance using key statistical metrics including Kolmogorov-Smirnov (KS) statistic, Population Stability Index (PSI), and Gini coefficient, enhancing model discrimination, stability, and predictive effectiveness.
- Applied predictive modeling and segmentation techniques to design data-driven lending strategies for credit card portfolios, aligning growth opportunities with risk management objectives.
- Developed customer revenue segmentation strategies using Decision Tree Models by leveraging historical internal ('on-us') customer behavior and bureau attributes, enabling targeted credit strategies and improving eligibility rates by 4X during partial strategy rollout.
- Authored white paper on estimating risk and revenue benchmarks for lending portfolios, delivering analytical frameworks that optimized credit decisioning and increased portfolio profitability.
- Credit Risk Strategy & Predictive Modeling Experience
Consultant
EXL
Gurugram
12.2020 - 06.2022
- Leveraged P&L analytics and advanced data analysis to develop and optimize credit risk strategies, balancing portfolio growth, profitability, and risk exposure.
- Developed acquisition strategy frameworks focused on acquiring high-quality, profitable credit card customers by optimizing the balance between customer quality, profitability, application volumes, and approval rates.
- Developed analytical frameworks determining STIP (Single Transaction Limit) thresholds across payment networks, enhancing risk controls and supporting customer transaction needs.
- Designed customer behavior and performance-based trigger measurement frameworks for cross-sell campaigns, enabling targeted marketing strategies and enhancing campaign effectiveness.
- Built risk-reward trade-off frameworks to evaluate and recommend rollback of COVID-era credit tightening measures, facilitating controlled portfolio expansion and maintaining risk discipline.
- Partnered with business, risk, and analytics teams to translate complex data insights into actionable credit strategies and customer lifecycle optimization initiatives.
- Worked as a Data Analyst in the Consumer Lending domain across APAC markets, delivering data-driven solutions for credit risk strategy, portfolio optimization, and customer acquisition.
Associate Data Analyst and Consultant
Wells Fargo
Bangalore
07.2019 - 12.2020
- Forecasted key credit card revenue drivers and delivered data-driven insights to support strategic business decisions and portfolio growth.
- Developed analytical frameworks to forecast revenue components including customer acquisition, spend behavior, revolving balances, interchange income, interest income, and portfolio profitability, enabling effective financial planning and performance tracking.
- Built and implemented predictive models for customer acquisition strategies by leveraging customer demographics, credit bureau attributes, behavioral data, and historical portfolio performance to identify high-value customer segments.
- Evaluated financial impact of acquisition and credit strategies by quantifying incremental revenue, profitability, approval rate changes, and portfolio risk implications through scenario analysis and business case modeling, informing strategic decisions.
- Conducted dollar-impact analysis to measure effectiveness of strategic initiatives, enabling business stakeholders to prioritize initiatives based on revenue potential and risk-adjusted returns.
- Partnered with cross-functional teams including Finance, Risk, Marketing, and Product to translate analytical insights into actionable strategies for customer acquisition, portfolio optimization, and revenue growth, enhancing collaborative efforts.
- Applied advanced analytics, statistical modeling, and data visualization techniques to improve forecasting accuracy and enable proactive decision-making for the credit card business.
Data Analyst
Wells Fargo
Bangalore
05.2018 - 07.2018
- Analyzed financial impact of marketing campaigns for Wells Fargo's Personal Loan and Lines Group using SAS Enterprise Guide and Microsoft Excel, informing strategic decision-making.
- Leveraged statistical analysis and customer-level data to assess campaign ROI, optimize targeting strategies, and support future marketing initiatives.
- Evaluated campaign performance by analyzing key metrics such as customer response rates, conversion trends, incremental revenue impact, and campaign profitability.
- Conducted data analysis to assess effectiveness of marketing strategies, identifying opportunities for enhancing customer acquisition and supporting portfolio growth.
- Built analytical reports and dashboards to summarize campaign outcomes, providing actionable insights to business stakeholders for data-driven decision-making.
Education
Master's degree - Economics
Centre for Economic Studies and Planning (CESP), Jawaharlal Nehru University
01-2019
Bachelor of Arts - BA - Economics
Ramjas College, University of Delhi
01-2017
High School - Nonmedical with Economics
Adarsh Public School,vikas Puri, New Delhi
01-2014
Skills
- Python programming and SQL querying
- Data visualization and predictive modeling
- Risk analysis and segmentation
- Portfolio performance evaluation
- Statistical and financial analysis
- Project management and collaboration
- Problem solving and critical thinking
- Communication strategies and techniques
- Artificial intelligence expertise
Certification
Excel: Tips and Tricks
Personal Information
Title: AI and Analytics professional
Timeline
Associate
BlackRock
07.2023 - Current
Senior Consultant
EXL
06.2022 - 07.2023
Consultant
EXL
12.2020 - 06.2022
Associate Data Analyst and Consultant
Wells Fargo
07.2019 - 12.2020
Data Analyst
Wells Fargo
05.2018 - 07.2018
Master's degree - Economics
Centre for Economic Studies and Planning (CESP), Jawaharlal Nehru University
Bachelor of Arts - BA - Economics
Ramjas College, University of Delhi
High School - Nonmedical with Economics
Adarsh Public School,vikas Puri, New Delhi