Arathi Nayak
Mumbai
Summary
Results-driven professional with experience in financial data analysis, credit policies, and process optimization. Skilled in leveraging data to improve operational efficiency and drive key insights. Proficient in data analytics tools like Excel, SQL, and Python, with a strong focus on problem-solving and continuous improvement.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Functional Analyst
HDFC Bank
07.2024 - Current
- Led 5+ functional projects, collaborating with key stakeholders such as policy, business, & CSU teams to enhance loan journeys.
- Led 3+ experimental projects that were successfully absorbed into full-time initiatives.
- Led multiple POC projects, completing 5+ initiatives successfully.
- Built rules & enhancements that reduced customer drop-offs by 15%, & approval time by 7%.
- Developed and optimized ML models, increasing digital loan disbursement rate by 6%
- Developed and presented 4+ monthly Personal Loan STP performance reports, leading to 30% of insight being implemented.
- Performed 100+ bank statement and credit analyses, reducing defaults by 11%
- Created 10+ Power BI dashboards, by analyzing large datasets using SQL, Python, MS Office Suite and Azure Databricks for reporting and data-driven decisions.
- Reduced credit underwriter manual intervention by 10% and automated key workflows in collaboration with underwriting team.
- Raised and managed 50+ JIRA tasks, reducing rule deployment time by 25%
Management Trainee
HDFC Bank
04.2023 - 06.2023
- Gained in-depth understanding of SME loan processes, identifying areas for a 15% reduction in fraud risk.
- Defined solution requirements and identified a replacement for a pre-existing vendor.
- Researched 50+ vendors and onboarded two that met service criteria for POC.
- Conducted a POC with a vendor, achieving a 25% improvement in SLA adherence.
- Produced an evaluation report that reduced vendor selection time by 30%.
Software Engineer
Oracle Cerner
01.2019 - 03.2021
- Developed and tested software solutions by analyzing system flows, improving efficiency by 10%.
- Created technical design documentation for developers and cross-functional teams, reducing errors by 15%.
- Collaborated with developers, UX designers, systems analysts, and stakeholders, enhancing solution delivery speed by 20%.
- Supported client IT teams to resolve software issues, reducing downtime by 30%.
- Led an inter-departmental project, integrating third-party scheduling software, saving 2 months of project time.
Education
MBA - Finance
T A Pai Management Institute
Manipal, India03-2024
B. Tech - Computer Science
Manipal Institute of Technology
Manipal07-2019
Skills
- Financial Statement Analysis
- Data Analytics
- Research & Statistical Analysis
- Documentation & Reporting
- Business Intelligence
- Microsoft Office
- Power BI
Analytical Skills:
Software Proficiency:
- Microsoft Azure
- Python
- SQL
- Stakeholder Management
- Client Relations
- Presentation & Communication
- Vendor Management
- Risk Management
Other Skills:
Projects
Jet Airways – Financial Statement & Credit Analysis:
- Conducted an in-depth financial statement analysis over three years, identifying key red flags in financial performance, governance, and operational inefficiencies.
- Performed corporate credit analysis and developed detailed reports on Jet Airways' credit health, highlighting liquidity issues and excessive leverage.
ICICI Bank – Financial Statement Analysis:
- Reviewed ICICI Bank’s Profit and Loss Statement, Balance Sheet, and Cash Flow Statement, conducting a comprehensive analysis of financial stability.
- Identified trends in profitability, liquidity, and capital adequacy, with a focus on the bank’s operational efficiency and increasing NPAs.
- Developed a comparative report of ICICI's performance against peer banks, aiding loan portfolio strategy and risk mitigation.
Accomplishments
- SEVA Finalist: Finalist in market research for eSamudaay, contributed to talent acquisition strategies and relationship building with external vendors.
- Jaspreet Sebastian Award Finalist: Recognized for outstanding personality and academics in Year 1 MBA at TAPMI.
- Young Leader's Program: Selected for TAPMI's prestigious YLP program based on academic excellence.
Certification
Finance Certifications:
- Corporate Finance Essentials
- Financial Markets (with Honors)
- Investment Banking: M&A and Initial Public Offerings
- Bloomberg Market Concepts Certificate
- Environmental Social Governance Certificate
Technology Certifications:
- Data Analysis in Python: Using Numpy
- Excel Skills for Business Specialization
- Creating Machine Learning Models in Azure
Risk Management Certifications:
- Credit Risk Management: Frameworks and Strategies
- Investment Risk Management
- Portfolio and Risk Management
- Risk Management Specialization
Timeline
Functional Analyst
HDFC Bank
07.2024 - Current
Management Trainee
HDFC Bank
04.2023 - 06.2023
Software Engineer
Oracle Cerner
01.2019 - 03.2021
MBA - Finance
T A Pai Management Institute
B. Tech - Computer Science
Manipal Institute of Technology
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