Dharmabrata Pattanayak

Associate Consultant

Bangalore Urban, Karnataka, India9 yrs 10 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Over 8.5 years of risk management experience
Expert in regulatory compliance and data analysis
Proven track record in process improvement and automation

Stackforce AI infers this person is a Senior Risk Consultant with expertise in Fintech and regulatory compliance.

Contact

Skills

Core Skills

Credit Risk ManagementRegulatory ComplianceData AnalysisBusiness Analysis

Other Skills

Microsoft Power BISQLSASPower BISAS (Software)IT Business AnalysisSAS (Programming Language)Microsoft SQL ServerPython (Programming Language)SAS ProgrammingMicrosoft ExcelCredit Risk

About

A highly skilled and results-driven Senior Risk Consultant with over 8.5 years of experience in identifying, analyzing, and mitigating risks across diverse industries. Adept at developing comprehensive risk management strategies, ensuring regulatory compliance, and implementing proactive measures to safeguard organizational assets. Proven expertise in risk assessments, crisis management, and enhancing operational efficiency through data-driven insights. Strong ability to collaborate with cross-functional teams and executive leadership to drive informed decision-making and optimize risk exposure. Committed to delivering strategic solutions that foster long-term business resilience and growth.

Experience

Wells fargo

2 roles

Lead Risk Analytics Consultant

Feb 2026 – Present · 2 mos · Bengaluru, Karnataka, India · Hybrid

Senior Risk Analytics Consultant

Jun 2022 – Feb 2026 · 3 yrs 8 mos · Bengaluru, Karnataka, India · Hybrid

Part of the Regulatory Reporting Team responsible for handling the FRB's Comprehensive Capital Analysis and Review (CCAR) Supervisory Stress Testing program (FRY 14 Q & FRY 14 M) for US Other Consumers, US Small Business Banking, and B-Cards ensuring timely submission and compliance with regulatory standards.
Manage the team’s deliverables, ensuring the accuracy of relevant data elements through the use of SAS, SQL, and Power BI for effective reporting and analysis.
Conduct in-depth research to identify root causes of data discrepancies and implement effective reconciliation processes to resolve issues and prevent recurrence.
Implement process improvements and automation tools to streamline regulatory reporting workflows, reducing reporting time by 50% while improving accuracy.
Analyze, investigate, and document variance analysis (Trend analysis) and General Ledger (GL) reconciliation & field Analysis on a monthly and quarterly basis to ensure data accuracy and regulatory compliance.
Assist with internal audits, and regulatory examinations to ensure adherence to compliance standards and regulations, ensuring timely and accurate submissions.
Coordinate with the technology team and perform testing on JIRA tickets to implement strategic solutions for resolving data defects and ensuring data integrity.
Work closely on model validation processes to ensure the quality of data and mitigate potential risks associated with stress testing and reporting requirements.

Microsoft Power BISQLCredit Risk ManagementRegulatory Compliance

Exl

Senior Business Analyst

Jan 2019 – Jun 2022 · 3 yrs 5 mos · Bengaluru, Karnataka, India · On-site

Prepare periodic reports based on origination applications for both secured and unsecured
products.
Design retail credit analysis funnel for the application received to approved, cancelled,
declined, booked and funded.
Compare received to approved rate and approved to booked rate and overall booked rate
Create exception reporting to track application gets approved based on exceptions
TDSR, GDSR, INCOME, SCORE, LTV over the period
Prepare business snapshot on daily account originated and comparison report on YTD Vs
LYTD and MTD Vs LMTD.
Assist the business with building periodic performance for each product category, number
of active customer and balances, risk weights assets, delinquency by (#) and ‘$' group by
‘0'29, 30'59, 60'89, 90', CO', new origination and new balance, average loan per account
from history to current, roll rate and roll back analysis, good Vs bad customer ‘BCR',
Default Vs Nondefault, Churn Vs Acquisition
Prepare account exception performance report to track exceptionally approved account
and their performance behavior over the loan tenure.
Identify portfolio wise one view dashboard to provide account originated vs balance flow,
delinquency rate by x to x+1 to x+2 to x+3 to x+4 to x+5 and CO.
Portfolio wise performance tracking on good vs bad account and account receivable vs
account payable
Prepare charged off and write off customer reporting.
Prepare CO and recovery report to identify CO accounts being recovered by each agency
and their performance by tracking pay rate Vs recovery rate.

SAS (Software)IT Business AnalysisData AnalysisBusiness Analysis

Wipro

Data Analyst

Jun 2016 – Jan 2019 · 2 yrs 7 mos · Bengaluru, Karnataka, India · On-site

To understand the debt incurred by the company due to non payment of bills.
Scrutinise the customer behaviour based on credit score, past payments, tenure, various
payment methods and many other factors.
Exploring the full payment on time, partial payment, no payment and total write off amount generated by the customer MOM basis.
Analysing historical churn behavior – Early Tenure, Intra Tenure and Post initial Contract and Major KPI impacting the churn.
Prepare the periodic Reports based on the Gross sales, Net sales and understand the Pre-flow trends MOM basis.
Understanding different promotional activities, enrollment channel, multiple plan type,
rates affecting the sales count as well as drop count.
End to End Automation for BAU Reports – SAS to SQL code conversion and Automate the Report in Power BI.
Understanding client business requirements and creating insightful reports and
successfully interpreted data in order to draw conclusions for business action and strategy.