Nishi Verma

• Involved in analytics & model monitoring and validation team to sort and import the data from multiple server locations
• Driving the validation and ongoing monitoring of credit risk models, including credit scoring models and probability of default models, to ensure their precision and efficiency
• Perform Various Sanity Checks like Proc Sort, Proc Freq and Proc Contents on Data, extract the useful data and report the fetched data
• Evaluating the effectiveness of credit risk models and assessing various metrics like KS, PSI, ROB, and MAPE.
• Identifying patterns and providing data-driven suggestions for enhancing the models by examining historical data
• Used SAS/ ODS to format HTML and RTF reports and did Univariate and multivariate analysis on the data using Proc Univariate
• Carried out data extraction and data manipulation using Proc Sql, Proc Sort, Proc Report, Joins and Merging to create preferred data sets as per business requirements
• Extensively used SAS procedures such as PRINT, REPORT, TABULATE, FREQ, MEANS, SUMMARY, TRANSPOSE and Data _Null_ for producing ad-hoc and customized reports and external files
• Currently working on multiple adhoc projects for the client created models to analyze the credit risk
• Prepared MIS, AMR and JQM for the portfolio and project tracker reports separately of our records.

Project Highlights:

Acquisition Model Re-Development;

 Analyzed historical data trends and utilized statistical tools for vintage analysis using large datasets which contributed to better risk assessment and effective risk mitigation action

 Interpreted acquisition data to identify trends and potential areas of concern and collaborated with cross functional teams to integrate acquisition insights into broader business strategies

 Generated a comprehensive MIS report that delivered actionable insights & valuable information which aided in strategic decision-making processes

• Involved in analysis & operations team to fetch the data from servers
• Perform Various Sanity Checks on Data, extract the useful data and report the fetched data
• Extensive use of SAS and SQL for the data collection with the help of senior team members
• Worked on the project individually called Trace Analysis to validate the Merchants Contact Information across Barclaycard terminal
• Collection of data of the merchants who are in collections across BPS
• Fetched the Merchants Personal Information like: Mobile Number, Email Address, etc
• Merging with other Information like: Cycle, Returned Mail, Call Rate etc
• Cross Validating and checking overlap of merchants across BPS.

• Involved in analysis & Spend Analytics: OBJECTIVE- To validate the overall spent limit of the customers
• Extensive use of SAS EG for the data collection
• Collection of data of the customers who have spent more than the credit limit
• Fetching the Customer alternate contact information in order to contact them
• Modified incoming data using SAS code by reformatting, importing, sorting, merging and restructuring
• Writing SQL queries to fetch required data with the help of seniors from database tables as per requirements and testing them as well
• Prepared adhoc and regular MI reports to business.