Headline

Credit Risk Analyst at Inbank

About

I am a Credit Risk Analyst and Data Analyst with 4+ years of experience in banking and retail loan portfolio analytics. I specialize in pre-disbursal risk assessment, underwriting analysis, and post-disbursal portfolio monitoring to support data-driven credit decisions and improve portfolio performance. My experience includes analyzing loan origination funnels, evaluating approval and rejection trends, and performing DPD, roll rate, and vintage analysis to identify early warning indicators. I work closely with large datasets to uncover risk patterns, optimize credit strategies, and enhance overall portfolio health. I am proficient in SQL, Python, Power BI, Tableau, Alteryx, and Advanced Excel, using these tools for data extraction, automation, MIS reporting, and interactive dashboard development. I also have hands-on exposure to PD, LGD, EAD, and ECL analytics, supporting risk modeling and performance monitoring. I am passionate about transforming complex data into actionable insights that reduce delinquency, improve credit quality, and drive risk-based decision-making. I thrive in fast-paced environments where analytics and business strategy come together to deliver measurable impact. 🔹 Credit Risk Analytics 🔹 Retail Loan Portfolio Monitoring 🔹 DPD | Roll Rate | Vintage Analysis 🔹 SQL | Python | Power BI | Tableau | Alteryx | Advanced Excel 🔹 MIS Reporting & Dashboard Automation 🔹 PD | LGD | EAD | ECL Analytics Open to opportunities in Credit Risk Analytics, Risk Strategy, and Banking Analytics.

Location

Bengaluru

AI stack

openai

Work experience

Credit Risk Analyst at Inbank, Sep 2022 - Present · 4 yrs 2 mos, Bengaluru, Karnataka, India, Credit Risk Analyst – Inbank (Client). TrueBlue IT Consulting Services Pvt. Ltd. – Payroll. Manage credit risk analytics across the loan lifecycle, including origination, underwriting, disbursal, delinquency, collections, and portfolio performance. Perform portfolio segmentation and risk stratification using customer attributes, risk grades, vintage cohorts, DPD buckets, and repayment behaviour. Conduct DPD Migration, Roll Rate, Roll Back, Vintage, Cure Rate, Improvement Rate, and Flow Rate analysis to monitor delinquency and portfolio deterioration. Perform cohort-level vintage analysis to identify MOB-wise delinquency trends, default patterns, and portfolio seasoning effects. Develop Early Warning Signal (EWS) frameworks to identify abnormal repayment behaviour, risk concentration, and emerging credit deterioration. Support IFRS 9 ECL analytics through PD preparation, segmentation, validation, and exposure-level LGD/EAD data preparation. Build SQL-based credit-risk datasets using complex joins, transformations, aggregations, reconciliation, and validation across large datasets. Develop Python workflows for data cleansing, feature engineering, validation, automation, and recurring risk reporting. Utilize SAS/SAS Macros for large-scale data processing, risk analytics, batch processing, and reporting automation. Develop Power BI dashboards and semantic models to monitor delinquency, risk migration, vintage performance, recoveries, and portfolio KPIs. Implement data quality, reconciliation, exception-handling, and validation controls to ensure accurate and consistent risk reporting. Use Alteryx for ETL, data blending, cleansing, transformation, and repeatable analytical workflows. Generate portfolio risk MIS and insights for Risk, Underwriting, Finance, Collections, Business, and Risk Modelling teams. Familiar with Basel Norms, including credit risk, capital adequacy, risk-weighted assets (RWA), and regulatory risk reporting concepts.

Education

Bachelor of Commerce - BCom, Berhampur University

Bachelor of Commerce, 12th Grade with Commerce Stream, Berhampur University