DIVYA KURUP

• Developed SAS ETL solutions (full and delta load frameworks) enhancing enterprise reporting and analytics capabilities.
• Implemented and optimized data integration processes leveraging Data Vault architecture, improving data availability and ETL performance.
• Led ETL performance tuning, production deployments, migrations, and root cause analysis of critical production issues to ensure operational stability.
• Mentored team members on ETL design best practices, collaborating with testing and business teams to facilitate project deliveries and BAU transitions.

• Delivered data and regulatory reporting solutions for Basel III, IFRS 9, SRDE, and HARP programs, ensuring compliance with APRA and supporting enterprise risk management.

• Designed and implemented data extraction, transformation, and governance processes, enhancing data quality and readiness for analytical and predictive modelling.

• Enhanced and maintained critical risk applications, including Credit Risk Calculation Engine (CRCE) and Basel risk models (PD, LGD, EAD), enabling accurate regulatory reporting and model execution.

• Led data quality investigations, root cause analysis, and infrastructure enhancements while collaborating with business stakeholders to translate complex requirements into scalable data solutions.

• Project: Strategy and Credit Risk Analysis

• Leveraged advanced analytics to develop credit risk policies and automated decision rules, mitigating bad debt risk and improving customer portfolio quality.

• Produced strategic acquisition and risk performance insights by analyzing customer behavior, scorecard effectiveness, and marketing channel outcomes.

• Led hypothesis-driven investigations into delinquency trends, developing analytical datasets and actionable recommendations to support business and risk strategies.

• Selected by BI practice leadership to design and implement an enterprise Data Warehouse framework, encompassing data standardization, ETL architecture, batch orchestration, and error-handling processes.

• Designed and delivered complex data marts for capital modeling and regulatory reporting, leveraging industry-standard frameworks including the SAS Detailed Data Store (DDS) for Insurance.

• Led solution design, project planning, release management, and cross-shore team coordination, ensuring successful delivery of business and regulatory initiatives.

• Drove infrastructure and Teradata SQL performance optimization initiatives, significantly reducing batch processing times and improving operational efficiency.

• Led the migration and integration of legacy data sources, including Mainframe, MS Access, and flat-file systems, into a centralized Netezza data warehouse.

• Engineered SAS-based data transformation solutions by analyzing and replicating legacy DCS processes, enabling seamless integration with the Prophet actuarial modeling platform.

• Designed and implemented ETL workflows, data mappings, and dimensional models following SCD Type 2 principles to ensure accurate historical tracking and data integrity.