NIVIN RAJU
Mumbai
Summary
Allocation Manager at IDFC FIRST BANK with expertise in SAS programming and PySpark. Successfully automated end-to-end allocation processes, enhancing efficiency and accuracy. Proven ability in data analysis and stakeholder communication, driving impactful decisions and strategies. Recognized for implementing innovative allocation logic, significantly improving recovery portfolio management.
Overview
4
4
years of professional experience
Work History
Allocation Manager
IDFC FIRST BANK
Mumbai
05.2022 - Current
- Creation of the entire IDFC First Bank's retail asset portfolio database using SAS Enterprise Guide, connecting to various FinnOne tables for collections' BAU activities, such as allocations, MIS and reporting, and analytics.
- Migration of the entire allocation process into the AWS environment.
- Managing current to X Bucket Allocation Strategy, apportioning bounces to call center, field agencies, and self-cure treatments.
- Implementing product-level allocation logic based on various parameters, such as the riskiness of the customers and their past payment history.
- End-to-end allocation process from allocation engine output bounces, massaging as per logics and capacities, till allocating to agencies, call centers, and fields.
- Reconciling daily bounces with FinnOne daily presentation files.
- Automated end-to-end allocation process of the rural FinnOne portfolio.
- Automation of agency push to SFDC for primary allocation and secondary allocation.
- Allocating to the previous agency if the case is resolved by the same agencies, and allocating to the same agent for a faster resolution.
- Ad hoc data analytics and automation of processes to save time on BAU activities.
- Monthly allocation trend dashboard with the historical mix of day 1, pre-referral, post-referral channel trends.
- Presenting monthly opening bucket stocks to senior management.
- BCC and penal collection MIS.
- Eliminating manual Excel overrides and writing SAS codes for the daily allocation process.
- Quick implementation of allocation logic at the product level for correct channel allocations.
- Organized recovery portfolio structure, bifurcating it further into vintage groups' basis DPD bands.
Automation Tester
Alzone Software
Trivandrum
09.2021 - 05.2022
- Developing end-to-end solutions that address customer pain points across domains like testing, UI Path, Excel automation, website automation, and bot maintenance.
- Executed functional and regression testing to ensure software quality.
- Collaborated with developers to identify and resolve defects promptly.
Education
Bachelor of Technology - Computer Engineering
Mar Ephraem College of Engineering
Marthandam11-2020
Secondary Education - Bio Sciences
Bishop Hodges Higher Secondary
Mavelikara06-2016
Skills
- SAS Enterprise Guide
- pyspark
- AWS
- SQL
- python
- MS Office Suite
- Power BI
- Process automation
- Allocation strategy
- Data analysis
- Stakeholder communication
- Time management
Projects
- Allocation Trends dashboard to review the performance of the across channels
- Rural allocation engine saves time so that the team can follow up on the case, which will lead to higher resolution
- Integration of the online transaction report in SFDC front end
- Implementation of stab logic in the allocation engine for a faster resolution.
- IDFC First Bank's retail collection portfolio migration from SAS to AWS
Affiliations
- Learning new tools
- Gaming
- Video editing
Accomplishments
- Best monthly performer for five times within two years
- Nominated for international and domestic trips for two times
- Appreciated for automating the rural allocation process
Languages
Malayalam
First Language
English
Upper Intermediate (B2)
B2
Hindi
Intermediate (B1)
B1
French
Beginner
A1
Timeline
Allocation Manager
IDFC FIRST BANK
05.2022 - Current
Automation Tester
Alzone Software
09.2021 - 05.2022
Bachelor of Technology - Computer Engineering
Mar Ephraem College of Engineering
Secondary Education - Bio Sciences
Bishop Hodges Higher Secondary
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