Venus Malik
Credit Risk Analyst
Pune
Summary
Dynamic Credit Risk Analyst with extensive experience of 9 years at Tata Consultancy Services Ltd., specializing in model monitoring and data visualization. Proven track record in automating reporting processes and enhancing risk assessment strategies. Skilled in SAS and data mining, coupled with strong analytical abilities to drive informed decision-making and optimize portfolio management. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
9
9
years of professional experience
3
3
Languages
Work History
Credit Risk Analyst
Tata Consultancy Services Ltd.
09.2024 - Current
- The Project involved working on preparing key regulatory and internal Credit Decision Management reports such as Sector Policy Reporting, Industry Reporting, Trade and Finance Reporting.
- Prepared various 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; portfolio size and composition; and assist in identifying trends which led to fast and automated credit decisions.
- `Ability to requirement gathering, analysing and interpreting large datasets related to customer behaviour, product performance and market trends.
- Ability to use data, statistical algorithms and other techniques to identify the likelihood of future outcomes based on historical data.
- Responsible for identifying and executing various tasks in the development life cycle and agile methodology.
- Prepare Summary of findings (SOF) on incidents raised by various domains and Divisional Owners on data problems related to Data Quality Management (DQM) dashboard rule failure.
- Worked on a decision management solution - PCSM (Power Curve Strategy Management), which provided the capability to calculate risk segmentation of all customers and accounts from various portfolios, credit policy exclusions, transactional account limits.
- Testing, debugging, diagnosing, rectifying and creating code fix and data fix to resolve critical issues within established testing protocols and guidelines and quality standard programs and applications perform to specification.
Credit Risk Analyst
Tata Consultancy Services Ltd.
02.2021 - 08.2024
- Experience in credit risk models ie PD , EAD & LGD as per BASEL II compliance.
- End to end monitoring of the Risk estimates models (PD/EAD/LGD) of all the Non- RETAIL portfolios across varoius brands.
- Involved in reconciliation and Impact Analysis of Incorporation of BASEL 3 norms in the current Model monitoring processes, methodology changes as per IRB approach.
- Involved in proper documentation of Model Monitoring Process of Risk Estimates Models and automation of new reports using SAS macros.
- Testing of datasets and profiling of variables for descriptive analytics and generation of insights .
- Experience in Model Performance Tracking process. Worked on metric creation for Model performance tracking like GINI Accuracy, PSI.
- Expertise in Base and Advance SAS concepts. Well versed with SAS/MACRO, SAS/SQL.
- Good Knowledge of Statistical Concepts
- Experience in data management and data handling skills, Time-series and trend analysis.
- Good knowledge of BFSI domain.
- Generated regulatory reports and product level summaries.
- Analysis of the newly implemented model so that it does not impact the existing models in production and conducted the reviews of the same.
- Automation of model monitoring processes enabling easy utilization of various statistical techniques such as time series analysis, point in time estimation, Through the cycle estimation.
- Selection of user defined observation and performance period, exit criteria, work out window.
- Calculation of Multiple Metrics and plotting of Graphs.
- Have been involved in uploading of the final diagnostic summary outputs onto TABLEAU for data visualization.
Senior Business Analyst
Tata Consultancy Services Ltd.
11.2016 - 02.2021
- End to end monitoring of the Risk estimates models (PD/EAD/LGD/CURE) of all the SME RETAIL portfolios across various brands.
- Rolled up the monitoring process from account level to customer level and automated the process.
- Proper documentation of Model Monitoring Process of Risk Estimates Models and automation of new reports using SAS macros.
- Testing of monthly datasets and profiling of variables for better understanding and generation of insights .
- Generation of regulatory and internal reports.
- Validation of results and performing quality assurance to assess accuracy of data.
- Assessed data for model monitoring and statistics to integrate high-level business processes with data rules.
- Identified and resolved problems through root cause analysis and research.
- Prepared adhoc reports in EXCEL using various excel functions and tools.
- Optimized core processes to improve business performance and operational agility.
- Generated reports, detailing, findings and recommendations.
- Provided reporting for forecast analysis and ad-hoc reporting in support of decision-making.
Education
Master of Arts - Economics
Panjab University, Chandigarh
Chandigarh 04.2001 -
Bachelor of Arts - Economics (Hons.)
MCM DAV College, Chandigarh - Sector 36 D, Chandigarh
Chandigarh, India 04.2001 -
Skills
Credit Risk Analytics
Model Monitoring
Data Mining
Data Transformation & Data Preparation
Data Visualization
Time Series Analysis
Tracking and Reporting
Customer relations
Risk assessment
Delinquency monitoring
Portfolio management
Risk mitigation strategies
Software
SAS
SQL
MS Office
Tools
Bitbucket, JIRA, Teradata SQL Assistant, Tableau, Power BI, WinSCP, Putty, Confluence
Hobbies
Cooking, Knitting, Singing, Trekking
Timeline
Credit Risk Analyst
Tata Consultancy Services Ltd.
09.2024 - Current
Credit Risk Analyst
Tata Consultancy Services Ltd.
02.2021 - 08.2024
Senior Business Analyst
Tata Consultancy Services Ltd.
11.2016 - 02.2021
Master of Arts - Economics
Panjab University, Chandigarh
04.2001 -
Bachelor of Arts - Economics (Hons.)
MCM DAV College, Chandigarh - Sector 36 D, Chandigarh
04.2001 -