Assistant Vice President
YES BANK LTD
Total years of experience :8 years, 7 Months
Reject Inferencing: Creating inferences about rejections based on historical performance compared to
competitors in the same sector. Assessing bad rates based on location, score, and other factors. Determining
if the rejected base represents an opportunity loss or a good rejection to inform policy decisions.
• Health examinations for co-lending and DA cases. Getting account details by AMLOCK, HUNTER, YBL
RELATION ANALYSIS, and PAN VERIFICATION. Understanding the generator portfolio by utilizing Vintage
Analysis and by identifying the sourcing quality, collection efficiency, and delinquency rate.
• Based on bureau data at the pin code level, a product-specific focus area program was established to
understand market potential. Factoring in risk and RM mapping revealed an ALN increase of 2.33%, as well
as a 3% increase in sourcing at the target location.
• Based on Bureau data and market research, an opportunity and risk assessment were conducted to
determine market clusters and branch expansion exercises
• Analyze the variation in the client's score between onboarding and the present level using the score
movement assessment method. To gain a deeper understanding, prepared client segmentation based on
score, demographic, and industry data.
• Completed the PPI project using retail assets as the linchpin and presented it to the MD&CEO for a better
understanding of the cross-selling carried out.
• With the use of the Onus-Offus performance matrix, create consumer loan quadrants.
• Impact of the Russian-Ukrainian War on different industries is computed using net flow rate and subjected to
sensitivity analysis.
• Personal loan stress testing: Be aware of how increasing interest rates that affect the FOIR result from
factors such as growing inflation, a drop in available cash, and an increase in the repo rate.
• Prepared Vintage Analysis, Roll Rate analysis, LTV, FOIR and Risk matrix.
• Propensity model, customer clustering, segmentation using ML techniques.
• Identify Probability of Default (PD Model), Credit Risk Modelling
• Development of Application Scorecard and Behavioral Scorecard.
• Supporting the building of wireframes, the identification of KPIs, and the implementation of the Credit &
Bureau dashboard on Tableau. Requirements gathering, addressing demands from stakeholders, and data
validation. Proceed with obtaining stakeholder and UAT approval.
• Design database schemas and create databases for varied projects of the company.
• Designing the downstream data flow and end visualization layer for the business users as per business
metrics.
Create high quality analytics/reports - BI dashboards
• Developed customer segment model using unsupervised learning for retail customers
• Credit Risk (Probability of default - SMA0 Prediction) Credit Risk Scorecard
• Worked with Boston Consulting Group (BCG) on use cases to increase product per bank client, hence
boosting revenue
• Complete project life cycle management for campaigns, from lead generation to implementation (outbound
call center) and output recognition.
• The creation and application of a propensity model for cross-selling mortgage loans using decision trees and
logistic regression
• Produced performance reports for several PL versions and divided the bank's PL customer base into distinct
categories based on the quantity of finance and demographic information.
• Gained extensive knowledge of bank operations, asset operations, business creation, and TPD business
from experience in filed operations (branch level).
• SP&BI (Strategic planning and Business Intelligence) Tracker is used to generate data and conduct analysis
efficiently
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