Goutam Das
Pune
Summary
Risk Analyst with hands-on experience in the fintech domain, specializing in credit risk strategy, portfolio monitoring, fraud detection, and data-driven decision-making. Proficient in SQL, Python, Power BI, and AWS QuickSight. Skilled at building dashboards, streamlining risk operations, and implementing fraud controls that drive portfolio growth and reduce delinquencies. Strong background in data storytelling and statistical modeling. Certified in Data Science and AI from IIT Madras.
Overview
5
5
years of professional experience
Work History
Risk Analyst
EarlySalary Pvt Ltd
Pune
06.2023 - Current
- Developed credit risk scorecards and predictive models to evaluate borrower creditworthiness and default probability.
- Designed and implemented underwriting rules and automated decision engines for personal loans and BNPL products.
- Conducted portfolio risk analysis including DPD tracking, bounce rates, and vintage delinquency curves.
- Built interactive dashboards (AWS QuickSight, Power BI) for real-time tracking of approval rates, NPA trends, ROI, and product risk.
- Collaborated with product and collections teams to refine credit policies, improving approval funnel efficiency.
- Ensured compliance with RBI guidelines, supported audits, and delivered monthly risk reports to senior stakeholders.
Planning Engineer
MEIL
02.2021 - 04.2022
- - Created dashboards for operational KPIs and assisted in billing automation processes.
- - Worked with execution teams to collect field-level data for real-time project updates.
Education
Advanced Certification - Data Science & AI
IIT Madras
04.2023
B.Tech -
Biju Patnaik Institute of Technology
Bhubaneswar06.2017
Skills
- SQL
- Data analysis
- Credit risk
- Risk mitigation strategies
- Quantitative analysis
- Portfolio monitoring
- Data visualization
- Statistical analysis
- Business needs analysis
- Data science
- Project management
- Machine learning
Accomplishments
Recognized for designing and implementing a high-impact credit policy framework that optimized approval rates while reducing default risk.
Timeline
Risk Analyst
EarlySalary Pvt Ltd
06.2023 - Current
Planning Engineer
MEIL
02.2021 - 04.2022
Advanced Certification - Data Science & AI
IIT Madras
B.Tech -
Biju Patnaik Institute of Technology
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