Work History
Education
Skills
Certification
Timeline
Generic

Nalinibala Ray

Senior Data Analyst
Bengaluru

Work History

Senior Data Analyst

Mphasis
02.2025 - Current
  • Project: Insurance Claims Analysis & Fraud Risk Dashboard
  • Role and Responsibilities:
  • Designed and delivered 10+ interactive Power BI dashboards covering policy sales, renewals, persistency, claims, and customer analytics, improving leadership visibility by 35%.
  • Developed and optimized 100+ complex SQL queries (joins, CTEs, window functions) to extract and transform data from multiple insurance systems, reducing data preparation time by 40%.
  • Built enterprise-grade Power BI data models (star schema), supporting datasets of 5–10 million+ records, improving report performance by 30%.
  • Created 50+ DAX measures and KPIs, including persistency ratio, renewal rate, lapse ratio, loss ratio, and premium growth, enabling accurate business tracking with 99% data accuracy.
  • Automated recurring MIS and operational reports, eliminating manual Excel-based reporting, and reducing reporting effort by 50%.
  • Implemented Row-Level Security (RLS) for 5+ user roles, ensuring secure, role-based access, and compliance with internal data governance standards.
  • Performed trend, variance, and cohort analysis to identify high-lapse and high-risk segments, supporting initiatives that improved policy renewal rates by 8% to 12%.
  • Analyzed insurance claims data to identify abnormal claim patterns and loss-making products, contributing to a 10% reduction in claims leakage.
  • Collaborated with 10+ cross-functional stakeholders (sales, underwriting, claims, finance, operations) to translate business requirements into analytics solutions with a faster turnaround time (25%).
  • Optimized SQL queries and Power BI refresh processes, reducing dashboard refresh duration by 35%, and improving system reliability.
  • Delivered actionable insights and executive presentations that supported data-driven decisions impacting ₹50+ crore in policy premium portfolios.
  • Maintained detailed documentation of KPIs, business logic, and data definitions, supporting audit readiness, and long-term analytics scalability.
  • Key Achievements & Outcomes:
  • Delivered data-driven Power BI dashboards that improved business decision-making speed by 30%–40% for senior leadership and functional heads.
  • Enabled identification of high-lapse and low-persistency segments, contributing to an improvement in policy renewal rates by 10%+ through targeted retention initiatives.
  • Reduced manual reporting dependency by 50% by automating MIS and performance reports using SQL-driven datasets and Power BI.
  • Improved data accuracy and reporting reliability to over 99% by implementing structured data validation, reconciliation checks, and standardized KPI definitions.
  • Supported risk and claims teams in identifying loss-making products and abnormal claim patterns, contributing to an estimated 8–12% reduction in claims leakage.
  • Enhanced dashboard performance and scalability by optimizing SQL queries and Power BI data models, resulting in 30–35% faster report refresh times.
  • Enabled secure and compliant data access by implementing Row-Level Security (RLS) across multiple business roles, ensuring adherence to internal governance standards.
  • Provided actionable insights that influenced strategic decisions across ₹50+ crore premium portfolios, supporting revenue growth, and profitability analysis.
  • Improved stakeholder satisfaction by 25%+ through intuitive dashboards, drill-down analysis, and self-service BI capabilities.
  • Established reusable SQL views and Power BI templates, reducing future development effort by 20–25%, and accelerating new report delivery.
  • Challenges Addressed:
  • Handled large and complex insurance datasets by optimizing SQL queries and implementing efficient Power BI star-schema data models, improving performance by over 30%.
  • Resolved data quality and reconciliation issues across policy, premium, and claims systems through standardized validation checks and KPI definitions.
  • Eliminated manual and error-prone MIS reporting by automating reports using SQL views and Power BI dashboards, reducing effort by 50%.
  • Addressed slow dashboard performance by optimizing DAX measures, data models, and refresh strategies, reducing report load, and refresh times significantly.
  • Ensured secure and role-based data access by implementing Row-Level Security (RLS) and designing intuitive self-service dashboards for business users.

Data Analyst

India First Life Insurance
11.2022 - 02.2025
  • Project: Policy Servicing & Customer Retention Analytics
  • Role and Responsibilities:
  • Analyzed life insurance policy, premium, renewal, lapse, and customer servicing data to support business and operational decision-making.
  • Extracted, cleaned, and transformed data from multiple source systems using advanced SQL (joins, CTEs, subqueries, and window functions).
  • Designed and maintained Power BI dashboards to track policy servicing performance, renewal behavior, lapse trends, and customer complaints.
  • Developed optimized data models (star schema) to improve dashboard performance and scalability.
  • Created complex DAX measures and KPIs including renewal rate, lapse ratio, servicing SLA %, customer retention %, and premium contribution.
  • Automated recurring MIS and operational reports, reducing manual reporting effort, and improving reporting accuracy.
  • Performed data validation, reconciliation, and quality checks to ensure consistency between SQL source systems and Power BI reports.
  • Enabled drill-down and drill-through analysis by product, region, branch, and customer segment for business users.
  • Implemented Row-Level Security (RLS) to ensure role-based data access for branch, regional, and management users.
  • Collaborated with stakeholders from operations, customer service, sales, and management to translate business requirements into analytics solutions.
  • Business Outcomes & Impact:
  • Improved visibility into policy servicing, renewal, and lapse trends, supporting data-driven decision-making for business teams.
  • Contributed to an 8–10% improvement in policy renewal rates through the identification of high-risk lapse segments.
  • Reduced manual MIS reporting effort by 40–50% through SQL-driven Power BI automation.
  • Enhanced data accuracy and reporting reliability to over 99% through structured validation and reconciliation.
  • Enabled faster and more effective business reviews by delivering intuitive, interactive Power BI dashboards.
  • Challenges Addressed:
  • Handled complex insurance data from multiple systems by optimizing SQL queries and data models.
  • Resolved data quality and reconciliation issues across policy, premium, and servicing datasets.
  • Addressed slow dashboard performance by optimizing DAX measures and Power BI models.
  • Eliminated manual and error-prone reporting processes through automation.
  • Ensured secure, role-based data access using Row-Level Security (RLS).

BI Analyst

HDFC BANK
07.2021 - 10.2022
  • Project: Customer Transaction & Credit Risk Analysis
  • Role and Responsibilities:
  • Designed and delivered an end-to-end Power BI analytics solution to analyze over 1 million customer transactions, credit records, policy records, and claims records, supporting risk assessment and business decision-making.
  • Led requirement analysis by collaborating with business, risk, and operations teams, translating complex business questions into scalable BI, and analytics solutions.
  • Data Ingestion and Cloud Analytics:
  • Collected and consolidated data from multiple source systems, including customer databases, transaction systems, policy, and claims platforms, using SQL Server and Excel.
  • Supported cloud-based analytics workflows with exposure to Azure Synapse and cloud data ecosystems, enabling scalable data preparation and reporting.
  • Built repeatable data refresh and ingestion processes to ensure timely and accurate data availability for reporting.
  • Data Modeling & Performance Engineering:
  • Designed Star and Snowflake schema data models to support high-performance Power BI datasets for large-scale analytics.
  • Developed and optimized 40+ DAX measures including credit risk indicators, customer segmentation KPIs, approval ratios, settlement ratios, and turnaround time metrics.
  • Implemented performance tuning techniques such as optimized filter context, efficient aggregations, and import strategies, improving report performance by ~30–35%.
  • Power BI Development & Visualization:
  • Developed 15+ enterprise Power BI dashboards and KPI scorecards covering customer transactions, credit risk trends, claims settlement, renewals, and cancellations.
  • Built interactive and self-service dashboards enabling drill-down analysis by customer segment, product, geography, and time.
  • Published and managed reports using Power BI Service, configuring workspaces, access controls, and Row-Level Security (RLS) to meet data governance requirements.
  • Designed standardized visual layouts and storytelling dashboards to support CXO-level and leadership reporting.
  • Analytics, Reporting & Business Insights
  • Delivered daily, weekly, and monthly MIS reports for sales, claims, premiums, renewals, and cancellations, supporting operational and strategic reviews.
  • Performed trend analysis, variance analysis, and forecasting, identifying risk migration patterns, customer retention drivers, and fraud-prone segments.
  • Enabled management to track policy issuance rates, claims settlement ratios, customer retention, and credit exposure through real-time dashboards.
  • Governance, Quality & Delivery Leadership:
  • Ensured data accuracy, consistency, and governance compliance through validation checks and controlled deployment processes.
  • Led testing, UAT coordination, and production deployment, reducing post-release issues by ~25%.
  • Provided documentation, usage guidelines, and knowledge transfer to support teams and business users.
  • Mentored junior analysts and supported cross-functional teams in adopting BI best practices.
  • Outcomes & Business Impact:
  • Reduced manual MIS reporting effort by approximately 40% through automated and centralized Power BI dashboards.
  • Improved visibility into customer credit risk and transaction behavior, supporting faster, and more informed decision-making.
  • Increased stakeholder adoption of analytics by over 50 business users through intuitive self-service BI solutions.

Reporting Analyst

Bajaj Allianz Life Insurance
08.2020 - 07.2021
  • Project: Customer Behavior & Sales Analytics
  • Role & Responsibilities:
  • Analyzed customer transaction, demographic, and sales data to identify patterns, trends, and insights supporting business decision-making.
  • Collected data from multiple sources including transactional systems, customer datasets, and marketing data, and performed data cleaning and validation.
  • Wrote SQL queries to extract, transform, and analyze customer and sales data for reporting and analysis.
  • Conducted exploratory data analysis to understand customer behavior, purchase frequency, and revenue trends.
  • Built interactive dashboards and reports using Power BI to visualize customer metrics and sales performance.
  • Created summary reports and visual insights to support marketing and sales strategy discussions.
  • Performed ad-hoc analysis to answer business questions from management and operational teams.
  • Communicated analytical findings to non-technical stakeholders using clear visualizations and explanations.
  • Ensured accuracy, consistency, and reliability of reports used for business review meetings.
  • Project Outcome & Business Impact:
  • Enabled business teams to gain visibility into customer purchasing behavior and sales trends through interactive dashboards.
  • Helped identify high-value customer segments and recurring purchase patterns to support targeted marketing initiatives.
  • Reduced manual analysis effort by centralizing reporting into Power BI dashboards.
  • Improved data-driven decision-making by providing timely and easy-to-understand analytical insights for stakeholders.

Operation Analyst

ICICI
05.2019 - 08.2020
  • Extract customer data from core banking systems, CRM tools, and transaction databases.
  • Clean, validate, and organize datasets for analysis.
  • Segment customers based on demographics, transaction history, product usage, and behavior. Identify high-value, at-risk, and inactive customers. Analyze customer behavior to understand preferences, trends, and patterns.
  • Calculate metrics such as CLV, retention rate, and churn rate, to assess the profitability of customer segments.
  • Build dashboards using tools like Power BI or Excel to visualize customer insights. Provide regular updates to stakeholders on customer trends and performance metrics.
  • Evaluate the performance of marketing campaigns (email, SMS, offers) by measuring conversion rates, ROI, and engagement. Provide insights for optimizing future campaigns.

Education

B.sc -

Utkal University

Skills

Power BI Dashboard Development

Power Query (M Language)

SQL (Complex Queries & Optimization)

Row-Level Security (RLS)

Data Analysis

Azure Data Factory (Exposure)

Stakeholder Requirement Gathering

KPI & Metrics Reporting

Data Validation & Reconciliation

Executive & CXO Dashboards

Semantic Models

Advanced DAX & Performance Optimization

Data Modeling (Star & Snowflake Schema)

Data Visualization

Power BI

Paginated Reports (Power BI Report Builder)

Microsoft Fabric (Exposure)

Microsoft Business Intelligence BI

Power BI Service

UAT & Production Deployment

Direct Query / Import Mode

Microsoft Excel

Python

Data Governance

Certification

Advanced DAX & Data Modeling for Power BI

Timeline

Senior Data Analyst

Mphasis
02.2025 - Current

Data Analyst

India First Life Insurance
11.2022 - 02.2025

BI Analyst

HDFC BANK
07.2021 - 10.2022

Reporting Analyst

Bajaj Allianz Life Insurance
08.2020 - 07.2021

Operation Analyst

ICICI
05.2019 - 08.2020

B.sc -

Utkal University
Nalinibala RaySenior Data Analyst