Umang Prakash

Associate Consultant

Bengaluru, Karnataka, India5 yrs 1 mo experience

Most Likely To SwitchHighly Stable

Key Highlights

Five years of expertise in data analysis and modeling.
Specialized in Credit Risk modeling and IFRS 9 compliance.
Proficient in Python and SAS for data-driven decision-making.

Stackforce AI infers this person is a Credit Risk Analyst with strong data analytics skills in the Fintech industry.

Contact

Skills

Core Skills

Credit Scorecard DevelopmentModel Development

Other Skills

Python (Programming Language)SAS BaseInternational Financial Reporting Standards (IFRS)Microsoft Excelstate level swimmingBasketballMicrosoft WordMicrosoft PowerPointData AnalysisTeamworkRData AnalyticsSASAnalyticsSwimming

About

Senior Credit Risk Consultant | Data Analyst | Statistical Modelling Experienced Credit Risk Consultant with a strong statistical background and five years of expertise in data analysis and modeling, including three years specializing in Credit Risk modelling. Proficient in IFRS 9 model development and validation for both retail and non-retail portfolios. Skilled in statistical analysis, machine learning techniques, and data-driven decision-making, with proficiency in Python and also Base SAS certified. Passionate about leveraging analytical and problem-solving skills to drive insights and enhance risk management strategies. Always seeking opportunities that challenge and expand my expertise while fostering leadership and creativity.

Experience

5 yrs 1 mo

Total Experience

2 yrs 6 mos

Average Tenure

4 yrs

Current Experience

Auronova consulting

3 roles

Senior Consultant

Promoted

Jun 2026 – Present · 0 mo · Bengaluru, Karnataka, India

Consultant

Oct 2023 – May 2026 · 2 yrs 7 mos · Bengaluru, Karnataka, India

Credit scorecard developmentModel Development

Associate Consultant

Apr 2022 – Sep 2023 · 1 yr 5 mos · Bengaluru, Karnataka, India

1) Developed Behavioural Scorecard for Auto Loan and Very Small/ Small Business Loan portfolio.
2) Developed Loss Given Default Model for Auto Loan,Personal Loan and Credit Card portfolio.

Credit scorecard developmentPython (Programming Language)Model DevelopmentSAS Base

Bristlecone

Consultant

Dec 2021 – Mar 2022 · 3 mos · Mumbai, Maharashtra, India

A Mahindra group company

Mahindra integrated business solutions private limited

Data Scientist

Oct 2020 – Nov 2021 · 1 yr 1 mo · Mumbai, Maharashtra, India

1)Helped in optimizing and reducing the TAT of answering the call by calculating the number of agents required given the number of calls and the service level to achieve, also, Forecasted the number of calls for H2 FY21 using ARIMAX
2)Analyzed the adherence of “Same Day Delivery” across dealerships in Pan India to better understand the reason for not adhering and take appropriate steps towards it.
3) Helped in enable efficient calling and increase service revenue by offering Maxicare premium range of products to the customers based on previous service pattern, RFM attributes and customer
demographics using PAM clustering
4) Determined the pattern and reason for customers Revisit in the service center PAN India and got recognised for the work by the organisation.

Mahindra and mahindra limited [automotive, farm equipment and agri business]

2 roles

Project Internship - Insights and Analytics

Sep 2019 – Dec 2019 · 3 mos · Mumbai Area, India

Predicting Deliveries & Collection of Mahindra Tractors

Summer Internship - Information and Insight Centre

Apr 2019 – Jul 2019 · 3 mos · Mumbai, Maharashtra, India

Sentiment Analysis of Commercial Vehicle

Axis bank

Summer Internship - Business Intelligence Unit

Apr 2017 – May 2017 · 1 mo · Worli,Mumbai

During the internship ,
1) Used SAS to extract and classify data using Keywords for SMS Banking.
2) Used Excel to calculate and forecast TAT ( Turn Around Time) for Cards(Credit/Debit).
3) Analysed and prepared training sets for data on Twitter sentiments.