Swaraj Patra

Account Origination & Performance Analytics

SQL Server

• Queried large datasets to analyze approval/decline rates, delinquency (30+/60+/90+ DPD), and roll rates.
• Conducted cohort analysis and identified high-risk segments to support the credit risk strategy.

Python

• Automated KPI tracking, credit score segmentation, and delinquency trend analysis.
• Performed root-cause analysis on account performance declines.

Power BI

• Designed dashboards and heat maps to visualize approvals, delinquencies, and charge-offs.
• Delivered actionable insights to risk and management teams.

Excel

• Built executive reports using pivot tables, VLOOKUP/XLOOKUP, and conditional formatting.
• Conducted stress testing, variance checks, and monthly performance summaries.

Account Origination Analysis

SQL

• Analyzed large datasets to track approval and decline rates; maintained an 85% approval rate while minimizing risk.
• Performed KPI monitoring and monthly data quality checks to resolve anomalies (greater than 5%).

Python

• Built credit score segmentation logic and automated KPI tracking, reducing decline rates by 15%.

Power BI

• Created dashboards to visualize approval trends, credit segmentation, and performance metrics.

Excel

• Developed reports using pivot tables, VLOOKUP/XLOOKUP, and conditional formatting for decision support.
• Conducted ad-hoc analysis and validated trends across SQL and Python outputs.