Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
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RAJSHREE SAINI

Gujarat

Summary

Data Science professional with relevant experience of 5.5 years in the banking and financial domain. Skilled in analyzing data trends and providing insights for making strategic decisions toward more sourcing, mitigating risk, better funding and performance management with exposure predominantly on credit card and retail loans.

Overview

5
5
years of professional experience
1
1
Certification

Work History

Manager, Portfolio Credit

Synchrony Financial
Hyderabad
07.2023 - Current
  • Managed the Qurate portfolio (HSN, QVC, and Zulily clients) and supported the PCM in monitoring the portfolio over the credit lifecycle, primarily at acquisitions, to improve the approval rates, losses, and overall performances.
  • Worked extensively on the QuickScreen channel: compared at the enterprise level, deep-dived into the decline reasons, suggested a few changes in the strategy at acquisition, and thus helped to enhance the approval rates.
  • Streamlined the process for the applications to be in the pending state, strictly restricted to a maximum of 45 days.
  • Helped in cleaning and preparing the promo pricing report for Qurate.

Deputy Manager 2, Data Science and Analytics Group

ICICI Bank
Hyderabad
04.2022 - 06.2023
  • Credit Risk Analysis for KCC via Vintage Curve: An analysis to measure the performance of the portfolio at various cohorts, and analyzing the trends post the loan disbursement. Deep drilled into the data by mapping demographic details. To find the area with more bad rates, to take corrective measures to mitigate the risk. To find the cross-sell opportunities and more offers based on the area with the least risk.
  • Assisted in the Kisan Credit Card and FE scorecard (Credit Risk Rating Model): Scored customers to determine their creditworthiness, and used various metrics like univariate analysis, logistic regression, WOE, VIF, IV, and Gini coefficient.
  • Large corporate model validation (WBG): Validated the model already in use by WBG customers being managed by CRMG through various metrics, like the Gini calculator, PSI, CSI, and mobility metrics.

Deputy Manager, Data Science and Analytics Group

ICICI Bank
Hyderabad
01.2020 - 03.2022
  • Campaign Analytics: Solely responsible for the approval of the campaigns, logic building, and getting it fired through SMS, e-mail, notifications, CRM, LOP, etc. Tracking the conversion rate and finding the reasons for fallouts to get more leads to enhance the business.
  • Cross-sell opportunity via PA/PQ offers: KCC PA offer through Balance Transfer to I-bank asset/liability customers, PQ offers to new-to-bank customers, limit enhancement, etc.
  • Gold loan with competition/off-us: Analysis to enhance the gold loan cross-sell opportunities. Based on the Highmark bureau scrubbed data of I-Bank CA/SA customers with no Gold Loan in our bank, we identified approximately 170,000 customers having a running JL in the market. Strategized on ways to pitch GL to these customers, to improve the business.
  • KCC Contactless: Identified the customer who can repay their loan's EMI prior to the bank’s notifications based on their transactional data. Aimed at minimizing costs.

Education

PGDB - Banking and Finance

Manipal Academy of Higher Education
Karnataka
04.2020

B.Tech - Information Technology

Govt. Women’s Engineering College
Ajmer, Rajasthan
05.2016

High School - Maths

Shekhawati Public School
Nawalgarh, Rajasthan
05.2012

Skills

  • SQL
  • SAS
  • Basics of Python (beginner)
  • Excel and MS Office tools
  • Data analysis
  • Credit risk analysis
  • Campaign analysis
  • Basics of model development and validation

Certification

  • Skill Nation's certificate of completion on SQL Training, 12/2021
  • Light hall THOUFIQ MOHAMMED'S SQL Course, 08/2022 - 01/2023
  • IBM certificate of achievement of training program on Python for Data Science, 12/2022 - 02/2023
  • Industrial Training on designing websites at Code x InfoSolutions, 05/2015 - 07/2015, Jpr, Rajasthan
  • Obtained 3rd rank in Personal Interview (PI) held by ISTE at Inter College level, 01/2016

Languages

  • English
  • Hindi

Timeline

Manager, Portfolio Credit

Synchrony Financial
07.2023 - Current

Deputy Manager 2, Data Science and Analytics Group

ICICI Bank
04.2022 - 06.2023

Deputy Manager, Data Science and Analytics Group

ICICI Bank
01.2020 - 03.2022

PGDB - Banking and Finance

Manipal Academy of Higher Education

B.Tech - Information Technology

Govt. Women’s Engineering College

High School - Maths

Shekhawati Public School

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