Apr 2024 – Dec 2024 · 8 mos · Gurugram, Haryana, India · On-site

• As part of the Credit Analytics & MIS Reporting function, I am responsible for creating and maintaining monthly MIS reports to support performance tracking and portfolio management across multiple lending segments. My role involves generating comprehensive reports for the Personal Loan Partnership portfolio, helping monitor key business metrics such as approval rates, customer profile mix, average ticket size, and interest rates across various segments.
• In addition, I prepare MIS reports for Auto Loan portfolios, including New Car, Used Car, and Two-Wheeler Loans, enabling detailed monitoring of disbursals segmented by customer demographics (age, employment), loan parameters (tenure, ticket size), product categories (vehicle type), and geographical regions. These insights help the business identify emerging trends, optimize credit policy, assess risk distribution, and support strategic decision-making for continued portfolio growth.

Nov 2022 – Mar 2024 · 1 yr 4 mos · Gurugram, Haryana, India · On-site

• As a Credit Benchmarking and Performance Analyst, I am responsible for driving data-driven insights and supporting the overall health of the Loans portfolio. My role involves leading credit benchmarking exercises to evaluate Loss, Revenue, and Expense benchmarks by analyzing historical portfolio trends and forecasting future expectations. I conduct detailed P&L performance analysis across vintage and customer segments to help identify emerging risks and growth opportunities.
• In addition, I design and maintain comprehensive dashboards that track key delinquency metrics, including 30+ and 90+ days past due populations, and visualize their distribution across vintage, segment, and score band levels. This allows for proactive monitoring, improved risk segmentation, and early identification of potential credit issues. My work directly supports strategic decision-making, portfolio optimization, and effective loss mitigation strategies while collaborating closely with cross-functional teams.

Apr 2021 – Oct 2022 · 1 yr 6 mos · Gurugram, Haryana, India · On-site

• I am an experienced Credit Portfolio Analyst with a strong background in managing recoveries, bankruptcy, and loss mitigation programs. My expertise lies in providing strategic insights and developing data-driven solutions to optimize portfolio performance, reduce delinquency, and support regulatory compliance.
• I have successfully handled both internal and external audit requirements for Cards Collections and Recoveries, consistently tracking and analyzing key performance metrics such as delinquency aging (30+, 90+), Net Credit Loss (NCL), recovery rates, and bucket-wise performance data.
• In addition, I regularly conduct deviation check exercises for loan portfolios, ensuring that new acquisitions meet established policy guidelines through detailed reviews of income verification, loan amount eligibility, age criteria, and bureau score evaluations.
• With a keen eye for detail, strong analytical skills, and a deep understanding of credit risk processes, I am committed to driving portfolio health while supporting business growth and regulatory excellence.

Sep 2019 – Mar 2021 · 1 yr 6 mos · Gurugram, Haryana, India · On-site

• Conducted a comprehensive credit benchmarking exercise for the Personal Loans portfolio of a leading Indian bank. The objective was to assess the bank’s performance across key metrics such as loss rates, revenue per account, and operating expenses, and compare them against industry benchmarks. The analysis was performed at vintage and customer segment levels, focusing on trends in delinquency (30+, 90+), recovery rates, and NCLs. This enabled the bank to identify performance gaps, fine-tune its underwriting and collection strategies, and improve portfolio profitability and risk control.