DHARMABRATA PATTANAYAK
Bangalore
Summary
Senior Risk Analytics Consultant with 9 years of expertise in banking, telecom, and utility domains. Business professional, known for high productivity and efficient task completion. Specialize in data visualization, predictive modeling, and statistical analysis. Excel in problem-solving, communication, and strategic thinking to deliver actionable insights. Committed to leveraging analytical skills and soft skills to support business decision-making processes.
Overview
10
10
years of professional experience
Work History
Senior Risk Analytics Consultant
Wells Fargo
Bangalore
06.2022 - Current
- Part of the Regulatory Reporting Team responsible for handling the FRB's Comprehensive Capital Analysis and Review (CCAR) Supervisory Stress Testing program (FRY 14 Q & FRY 14 M) for US Other Consumers, US Small Business Banking, ensuring timely submission and compliance with regulatory standards.
- Manage the team’s deliverables, ensuring the accuracy of relevant data elements through the use of SAS, SQL, and Power BI for effective reporting and analysis.
- Conduct in-depth research to identify the root causes of data discrepancies, and implement effective reconciliation processes to resolve issues and prevent recurrence.
- Implement process improvements and automation tools to streamline regulatory reporting workflows, reducing reporting time by 50%, while improving accuracy.
- Analyze, investigate, and document variance analysis (trend analysis) and General Ledger (GL) reconciliation, and field analysis on a monthly and quarterly basis to ensure data accuracy and regulatory compliance.
- Assist with internal audits and regulatory examinations to ensure adherence to compliance standards and regulations, ensuring timely and accurate submissions.
- Coordinate with the technology team, and perform testing on JIRA tickets to implement strategic solutions for resolving data defects and ensuring data integrity.
- Work closely on model validation processes to ensure the quality of data, and mitigate potential risks associated with stress testing and reporting requirements.
Consultant
EXL Service
Bangalore
01.2019 - 06.2022
- Prepare periodic reports based on origination applications for both secured and unsecured products
- Design retail credit analysis funnel for the application received to approved, cancelled, declined, booked and funded
- Compare received to approved rate and approved to booked rate and overall booked rate
- Create exception reporting to track application gets approved based on exceptions – TDSR, GDSR, INCOME, SCORE, LTV over the period
- Prepare business snapshot on daily account originated and comparison report on YTD Vs LYTD and MTD Vs LMTD
- Assist the business with building periodic performance for each product category, number of active customer and balances, risk weights assets, delinquency by (#) and ‘$’ group by ‘0’29, 30’59, 60’89, 90’, CO’, new origination and new balance, average loan per account from history to current, roll rate and roll back analysis, good Vs bad customer ‘BCR’, Default Vs Nondefault, Churn Vs Acquisition
- Prepare account exception performance report to track exceptionally approved account and their performance behavior over the loan tenure
- Identify portfolio wise one view dashboard to provide account originated vs balance flow, delinquency rate by x to x+1 to x+2 to x+3 to x+4 to x+5 and CO
- Portfolio wise performance tracking on good vs bad account and account receivable vs account payable
- Prepare charged off and write off customer reporting
- Prepare CO and recovery report to identify CO accounts being recovered by each agency and their performance by tracking pay rate Vs recovery rate
Data Analyst
WIPRO
Bangalore
06.2016 - 01.2019
- To understand the debt incurred by the company due to non payment of bills
- Scrutinize the customer behavior based on credit score, past payments, tenure, various payment methods and many other factors
- Exploring the full payment on time, partial payment, no payment and total write off amount generated by the customer MOM basis
- Analyzing historical churn behavior – Early Tenure, Intra Tenure and Post initial Contract and Major KPI impacting the churn
- Prepare the periodic Reports based on the Gross sales, Net sales and understand the Pre-flow trends MOM basis
- Understanding different promotional activities, enrollment channel, multiple plan type, rates affecting the sales count as well as drop count
- End to End Automation for BAU Reports – SAS to SQL code conversion and Automate the Report in Power BI
- Understanding client business requirements and creating insightful reports and successfully interpreted data in order to draw conclusions for business action and strategy
Senior Executive
TATA TELESERVICE
NEW DELHI
05.2015 - 06.2016
- DBMS – Design data model in SAS from connecting data from SQL Server for acquisition data to daily recharge data to daily call data records file to be mapped
- Reporting – Creating Adhoc analysis in Excel Pivot, Charts and formula/functions to create daily business reporting in terms of customer acquisition on daily, monthly and yearly trend analysis on ARPU, RPM and customer segmentation
Education
PGDM - MARKETING & OPERATION
NEW DELHI INSTITUTE OF MANAGEMENT
NEW DELHI04-2015
B. TECH - APPLIED ELECTRONICS & INSTRUMENTATION
GANDHI INSTITUTE OF ENGINEERING AND TECHNOLOGY
ODISHA06-2011
Skills
- Data analysis
- SAS programming
- SQL programming
- Business intelligence
- Data visualization
- Power BI proficiency
- Advanced Excel
- Python programming
- Regulatory compliance
Languages
- ENGLISH, Proficient
- HINDI, Proficient
- ODIA, Native
Accomplishments
- Shining Star Award, EXL Service, For Ad hoc reporting.
- Manager Spotlight Award, Wells Fargo, For projects Automation.
Timeline
Senior Risk Analytics Consultant
Wells Fargo
06.2022 - Current
Consultant
EXL Service
01.2019 - 06.2022
Data Analyst
WIPRO
06.2016 - 01.2019
Senior Executive
TATA TELESERVICE
05.2015 - 06.2016
PGDM - MARKETING & OPERATION
NEW DELHI INSTITUTE OF MANAGEMENT
B. TECH - APPLIED ELECTRONICS & INSTRUMENTATION
GANDHI INSTITUTE OF ENGINEERING AND TECHNOLOGY
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