HARSHITH M

DBMS Programming and report automation

• Manage data from various source file and prepare relational data base model to keep track of history data to the current file
• Design data model to get insightful information by applying manipulation techniques through expression and actions

Reporting and Visualization

• Prepare BAU reporting based on account origination to performance to collections and MIS to be sent daily, weekly, andmonthly reporting structure
• Automate the reporting process using Excel VBA or migrating to advanced data visualization tool like Power BI
• Managed to migrate 80% of excel base reporting to Power BI

Strategy Building and Reporting

• The Global Sales Operations team provides strategic data-based insights, informs decision
• Creating target lists for sales execution and marketing campaigns, analyzing sales execution and marketing campaign outcomes and reporting on KPIs to senior management stakeholders.
• Develop strategic client insight reports and reports on our top 50 (Global Relationship Manager Program Clients)

Ad-hoc Analysis and Support

• Achieve 30% of time in ad-hoc analysis and business reporting support
• Developed process with new insights and collecting cross functional input for management information support

Design credit risk data model for assessing customer risk appetite to loan applications process to approvals and bookings . Prepare risk parameters to approve loan processing into booking and account performance tracking. Provide loan portfolio level risk MIS reporting and help business to strategize marketing strategy and risk mitigations at portfolio level

Account Origination Reports

• Access loan application data and map it to customer master, bureau master, macroeconomics data, internal behavior data towards gathering risk associate parameters and help business to identify each secured and unsecured loan portfolio level business insights to access risk underlying to approval process
• Manage daily, weekly, and monthly business snapshots on account origination reporting on
• Number of loan application received, approved, booked, and cancelled by # and %
• Report applications on exception base approved by # and %
• Prepare MIS on loan application by customer segment, score bucket, risk segment gone through received, booked, cancelled, and declined
• Executed overall data integration , cleansing , manipulation , aggregation , data model designing and process improvement for reporting and visualization within credit risk analytics platform from application (origination) facility file to decision file and account performance in SQL, VBA, SAS, and Python
• Streamlines excel base reporting to advanced data visualization applications like Tableau and Power BI within more insightful and storytelling KPI dashboards. Overall business impact 30%-man hours reduction

Account Performance Reports

• Develop complex data model designing in SQL & SAS for connecting customer analytics support through the journey from origination to current account performance analysis
• Prepare periodic performance for each portfolio level number of active customer base and their balances , Risk weighted assets, Delinquency by (#) and ($) group by (0-29,30-59,60-90,90+, CO), new origination and new balance, average loan per account from history to current, roll rate analysis for current to x and x+2, prepare good vs bad rate customer. I Have knowledge on Probability at default (PD), Exposure at default (EAD) and Loss Given Default(LGD)
• Make vintage analysis and prepare each delinquent account performance form current to x+1 to x+2 and so on. Develop portfolio level insights to be analysis and presented in Retail dashboard
• Segment credit card customer based on usage and revenue to track their performance over time. timely trigger the behavior and work on customer retention strategy for Credit Card Portfolio
• Provide oversight to the line of business and its risk controls ensuring consistency and compliance with risk management framework and policies