Rajat Kumar
Analytics Manager
Bengaluru,Karnataka
Summary
A zealous Analytics manager holding data driven approaches to deliver analytical solution to business problems. Professional credit risk analyst with more than 12 years of experience at lending institutions and banks. Proficient knowledge in assessing the creditworthiness of personal and commercial clients with extensive experience in analytics and predictive modelling across leading banks in Europe and United States.
Overview
12
12
years of professional experience
6
6
years of post-secondary education
Work History
Analytics Manager
Genpact
Banglore
01.2022 - Current
- Leading a 13-member team across India and Canada, driving efficiency in Model Risk Operations and enhancing the validation of Credit Risk Models.
- Credit risk model: Developed application scorecard using TransUnion bureau data for cards portfolio. Performed vintage analysis, roll rate analysis, exploratory data analysis, feature selection, weight of evidence binning and used Logistic Regression algorithm to determine probability of default.
- Credit risk model: Developed small business behavioral scorecard using Experian bureau data along with the bank's internal data for different portfolios - Cards, lines, and loans.
- Credit risk model: Developed small business behavioral scorecard using TransUnion bureau data along with the bank's internal data for different portfolios - Cards, lines, and loans.
- Leveraged Python, SQL and Spark to boost efficiency by 30% while achieving 99.9% data accuracy for Model data repository
- Credit risk model: Developed Experian small business application scorecard of different portfolios - Cards, lines, and loans for a US-based bank.
Associate Manager
Standard Chartered Bank
Banglore
06.2019 - 12.2021
- Developed Retail Banking Scorecard and prepare the scorecards for various products under IFRS9 accords guidelines
- Designed process flow mapping and documentation for Business-As-Usual (BAU) reports
- Oversaw data management and reporting for Hong Kong, enhancing data processing efficiency by 25% using Python, Spark, SAS, and Tableau
- Facilitated discussions with business leaders to define new requirements, producing comprehensive documentation and achieving timely approvals each month
- Migrated traditional scorecard-related dashboards from SAS to Python, enhancing efficiency and functionality
- Driving daily sales KPI dashboards with Python, Spark and Tableau for all countries
- Directed automation projects for 50+ SME account management processes, reducing manual tasks by 40% and improving efficiency
Lead Assistant Manager
EXL
Noida
04.2018 - 06.2019
- Analyzed large datasets with Python, SQL, and Spark, increasing data reliability by 30% and addressing gaps through AWS integration
- Developed process control for IFRS9 migration from SAS to Python and Power-BI
- Model Monitoring for PD,LGD,EAD across various retail portfolios using SAS
- BAU's management across daily sales data across Mortgage, Cards, Loans, SLOC, PLOC
Assistant Consultant
Capgemini
Pune
04.2016 - 04.2018
- Implemented IFRS9 change management, coordinating with teams and executives to increase operational efficiency by 40% and optimize SAS utilization
- Developed process control model for Cards and Loans, enabling timely identification of process failures and assisting with capacity planning using SAS and Power-BI
- Conducted Exploratory Data Analysis on critical processes, uncovering patterns and communicating findings to onshore counterparts
Analyst
Aon Hewitt
Noida
08.2013 - 03.2016
- Collaborated with financial management and treasury departments to ensure testing consistency for capital requirements
- Created a Dynamic Moving Average Strategy that employed double moving average crossover, enhancing signal effectiveness by 25%
- Created a Macro-Economic Information-Based Strategy for FX and Rates markets, predicting Buy/Sell signals from macroeconomic variables
- Engineered SQL DataMart and SAS reports, streamlining data processes for a 20% increase in reporting accuracy
Education
Masters of Business Administration - Business Analytics
BITS PILANI
Pilani 01.2020 - 01.2022
Bachelor of Technology - Computer Science and Engineering
College Of Eng. Roorkee
Roorkee 01.2009 - 01.2013
Skills
- SAS - EG/SAS Visual Analytics/SAS Model Studio/SAS Visual investigator
- Python - Numpy and Pandas
- SQL
- PySpark
- Relevant Competencies: Risk management, Credit Risk, Fraud , Developing predictive models/ ML techniques, Finance and Banking
Activities
- Travelling
- Teaching
- Reading
- Making Videos
- Driving
Timeline
Analytics Manager
Genpact
01.2022 - Current
Masters of Business Administration - Business Analytics
BITS PILANI
01.2020 - 01.2022
Associate Manager
Standard Chartered Bank
06.2019 - 12.2021
Lead Assistant Manager
EXL
04.2018 - 06.2019
Assistant Consultant
Capgemini
04.2016 - 04.2018
Analyst
Aon Hewitt
08.2013 - 03.2016
Bachelor of Technology - Computer Science and Engineering
College Of Eng. Roorkee
01.2009 - 01.2013
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