Venus Malik

Business Lending Line of Business | Product Analytics Team

• Primary responsibility to ensure the Business Lending line of business functions smoothly by providing comprehensive data insights on various product performances.

• Deliver essential reports and dashboards to service owners and external stakeholders, ensuring timely and accurate information flow.

• Build and maintain scripts using Teradata/SQL, Excel, and Power BI to enforce product controls and support automated reporting.

• Perform regular data analysis and investigations, tracking key metrics such as Net Interest Margin (NIM), Return on Assets (RoA), Approval Rate, Utilisation Rate, and Credit Loss Rate.

• Lead cannibalisation analysis to assess the impact of product overlap on revenue; evaluate pricing impact through margin compression analysis and rate sensitivity modelling.

• Conduct bulk limit analysis to review portfolio-level exposure thresholds; perform overcharge analysis to identify billing anomalies and ensure compliance with product pricing policies.

• Deliver working capital growth strategy analysis, tracking drawdown rates, facility utilisation, revolving credit trends, and line renewal rates.

• Produce monthly overdraft reporting covering limit exceedances, overdrawn days, excess utilisation, and exposure concentration by segment.

• Perform impaired assets analysis including tracking Non-Performing Loans (NPL), Specific Provision (SP) movements, Coverage Ratio, Write-Off Rate, and Days Past Due (DPD) trends.

• Collaborate with product managers, risk teams, and finance to support strategic decision-making through ad-hoc analytics and scenario modelling.

Credit Decision Management Team

• Prepared key regulatory and internal Credit Decision Management reports including Sector Policy Reporting, Industry Reporting, and Trade and Finance Reporting.

• Prepared risk management reports such as Primary Watch List, Policy Exception, and Probable Defaulter List.

• Provided insights into Business Lending Sector's credit quality and performance; analysed portfolio size and composition; identified trends enabling fast and automated credit decisions.

• Performed requirement gathering, analysis, and interpretation of large datasets related to customer behaviour, product performance, and market trends.

• Applied statistical algorithms and predictive techniques to identify likelihood of future outcomes based on historical data.

• Worked on PCSM (Power Curve Strategy Management) — a decision management solution for risk segmentation of customers and accounts, credit policy exclusions, and transactional account limits.

• Executed testing, debugging, diagnosing, and code/data fixes to resolve critical issues within established testing protocols and quality standards.

• Prepared Summary of Findings (SOF) on incidents raised by Divisional Owners on Data Quality Management (DQM) dashboard rule failures.

Model Governance Team

• Delivered end-to-end monitoring of Risk Estimates models (PD, EAD, LGD) across all Non-Retail portfolios, ensuring regulatory compliance with BASEL II and BASEL III (IRB approach).

• Involved in reconciliation and impact analysis for incorporation of BASEL 3 norms in model monitoring processes, including methodology changes as per the IRB approach.

• Authored documentation of Model Monitoring Process for Risk Estimates Models and automated new reports using SAS macros.

• Conducted testing of datasets and profiling of variables for descriptive analytics, generating actionable insights on portfolio behaviour.

• Led Model Performance Tracking processes, including creation of key metrics: GINI Accuracy, PSI (Population Stability Index), and KSStatistic.

• Demonstrated expertise in Base and Advanced SAS concepts; proficient in SAS/MACRO and SAS/SQL.

• Applied Logistic regression, time-series and trend analysis, point-in-time estimation, and through-the-cycle estimation for model monitoring automation.

• Model Validation & Governance: Backtesting, Sensitivity Analysis, Replication, Documentation

• Defined user-defined observation and performance periods, exit criteria, and work-out windows for model monitoring.

• Calculated multiple risk metrics and plotted diagnostic graphs; uploaded final diagnostic summary outputs to TABLEAU for data visualisation.

Generated regulatory reports and product-level summaries; ensured newly implemented models did not impact existing production models

Model Monitoring Team

• Delivered end-to-end monitoring of Risk Estimates models (PD, EAD, LGD, CURE) across all SME Retail portfolios across various brands.

• Rolled up the monitoring process from account level to customer level and automated the process using SAS macros.

• Maintained proper documentation of Model Monitoring Processes; automated new monitoring reports.

• Conducted testing of monthly datasets and profiling of variables for deeper understanding and generation of insights.

• Generated regulatory and internal reports; performed validation of results and quality assurance to assess accuracy of data.

• Assessed data for model monitoring and applied statistical techniques to integrate high-level business processes with data rules.

• Identified and resolved data problems through root cause analysis and research.

• Prepared ad-hoc reports in Excel using various functions and tools; provided forecast analysis and ad-hoc reporting to support decision-making.

• Optimised core processes to improve business performance and operational agility; generated reports detailing findings and recommendations.