Parveen Kumar
Gurugram
Summary
Risk Analyst with 3 years of experience in credit risk, fraud risk, and enterprise risk analytics. Skilled in risk & control self-assessments (RCSAs), operational risk monitoring, and predictive modeling (Python, SAS, SQL). Strong record of designing and executing risk mitigation strategies, building MIS dashboards, and presenting insights to senior stakeholders. Adept at bridging data, strategy, and risk management to strengthen control frameworks.
Overview
2
2
years of professional experience
Work History
Senior Consultant
EXL Services
Gurugram
03.2024 - Current
- Risk & Controls: Conducted risk & control self-assessments (RCSAs) for payment operations, identifying control gaps and designing remediation steps that reduced exposure to payment reversals by 15%.
- Fraud Risk Strategy: Monitored fraud KPIs (spends, delinquencies, chargebacks), optimized dashboards, and flagged high-risk segments; enabled proactive detection of fraud, improving risk visibility for senior leadership.
- Credit Strategy Optimization: Implemented data-driven credit limit strategies by analyzing spends, payments, and delinquency patterns, leading to 8–9% improvement in early detection of high-risk accounts.
- Predictive Modeling: Built and deployed decision tree models in SAS/Python to identify high-risk accounts, improving capture rate of risky customers by 53% with 11% higher accuracy.
- Payment Risk Mitigation: Designed and implemented a 7-day hold strategy for reversal payments, capturing 8–9% of bad payments and predicting delinquencies with 75% accuracy.
- Stakeholder Reporting: Created and presented monthly MIS dashboards (Excel/Power BI) on card activations, delinquencies, bad debts, and spends; provided insights that guided strategy.
Education
B.tech - Chemical Engineering
IIT Delhi
05.2022
Skills
- Risk and control management
- Credit and fraud risk
- SQL and Python programming
- Data analysis with SAS and Excel
- Power BI and Altair expertise
- Predictive modeling techniques
- KPI monitoring and reporting
- Stakeholder engagement
- Data visualization strategies
- Business analysis
Timeline
Senior Consultant
EXL Services
03.2024 - Current
B.tech - Chemical Engineering
IIT Delhi