Shivam Monga

Operations Associate

Gurugram, Haryana, India3 yrs experience

Key Highlights

Expert in credit analysis and risk management.
Proficient in advanced analytics and financial modeling.
Strong track record of improving portfolio performance.

Stackforce AI infers this person is a Fintech professional with strong analytical and risk management expertise.

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Skills

Core Skills

Credit AnalysisRisk AssessmentRisk ManagementFinancial ModelingValuation

Other Skills

Credit Risk ManagementRiskPrivate EquityDCF ValuationLendingNBFCTableauPortfolio AnalysisFinancial ManagementSQLFinancial ReportingKey Performance IndicatorsFinanceQuantitative AnalyticsFinancial Services

About

At SBI Card, my focus is on enhancing portfolio quality through meticulous credit analysis and risk management. Our team strategically segments customer profiles to optimize performance, evidenced by improved metrics such as decreased delinquency rates. With an MBA in Finance and a BTech, I blend analytical skills like SQL, Python ,Tableau and Power BI with a technical background. This unique combination empowers me to innovate in portfolio management and contribute significantly to our organization's success in the competitive finance industry.

Experience

3 yrs

Total Experience

1 yr 9 mos

Average Tenure

1 yr 3 mos

Current Experience

Paytm

Team Lead

Mar 2025 – Present · 1 yr 3 mos · Gurugram, Haryana, India · On-site

Conduct in-depth Risk Assessment for various credit products, including Credit Cards,
Merchant Loans and Personal Loans
Continuously track the effectiveness of existing Risk Policies by analyzing key Credit
Performance Metrics. Provide data-driven recommendations to the Product and Policy
teams to refine risk strategies and optimize approval processes.
Utilize advanced analytics, including machine learning models and alternative data
sources, to enhance the accuracy of Credit Risk Assessments.
Track Key Risk Indicators (KRIs) such as early delinquency trends, and exposure levels
and provide actionable insights to senior management for proactive decision-making.

Credit AnalysisCredit Risk ManagementRisk Assessment

Sbi card

Assistant Manager

Jun 2023 – Mar 2025 · 1 yr 9 mos · Gurugram, Haryana, India · On-site

Monitoring and managing the credit card portfolio to align with the company’s risk
appetite and delinquency targets.
Utilized advanced financial and data analytics tools (SQL, SAS) to assess financial
performance, analyze portfolio trends, and identify key risk drivers impacting financial
health.
Working with risk management, finance, and operations teams to enhance portfolio
performance and mitigate risks.
Prepared financial reports and dashboards for senior management, providing insights
into performance metrics, financial forecasts, and risk exposure.

Risk ManagementRisk

Beta insights

Financial Analyst

May 2022 – Jul 2022 · 2 mos

Built an Equity Research Report of a publicly listed company that comprises insights and recommendations
Developed the Financial Model of the firm. Forecasted major Financial Statements of the growth period.
Prepared the Valuation model using Discounted Cash Flow method and Relative Valuation method

Private EquityDCF ValuationFinancial ModelingValuation