Abhinav Sharma

Experience

• 

  EXL

  Sept 2016 - Jul 2019

  TABLEAU SOLUTION FOR CREDIT RISK REPORTING• Developed live interactive dashboards on Tableau to create reports and generate insights for analysing portfolio performance• Reduced TAT by 80% by developing automated solutions and streamlining processes for report creation• Developed a report to provide comprehensive 360⁰ view to track risk metrics presented to the Chief Risk Officer• Facilitated governance and minimized scope of errors in the process by limiting manual interventions in the report creation• Responsible for the monthly production of Credit Risk Reporting Packs, consolidating the SAS codes and modifying the reports to standardize data sources, metrics and definitions across Secured Portfolio• Report insights and trends to management, assisting with development of dashboards to understand business progress in simple manner• Generating quarterly risk management reports, presenting findings and proposing strategic solutions to stakeholders Show less DATA ARCHITECTURE AND CAPITAL MODELLING• Liaised with stakeholders on-site (Halifax, UK) to streamline & institutionalize regulatory methodology across all products• Provided statistical programming support to develop PD models using logistic regression for client’s regulatory compliances• Developed and executed algorithms on SAS to produce analytically ready data pools to support analytical requirements for 30+ processes• Facilitated 45% reduction in FTE hrs by aligning reporting processes and data models, reducing processing time by 16hrs/month• Developed various ETL flows to create SAS-DI jobs as per the requirements and deploying them to the batch servers• Tracked down SAS-DI Jobs to identify redundant sources and hence facilitating easy data flow by reducing working day latencies by 8 days• Ensured that the Regulatory Capital Risk Processes establish the relevant reporting, models, documentation and procedures to enable smooth transition at the time of going live Show less

  • Senior Business Analyst

    Apr 2018 - Jul 2019

  • Business Analyst

    Sept 2016 - Mar 2018
• 

  American Express

  Jul 2019 - Sept 2021

  Credit Risk Analyst

  LAUNCHED DIGITAL MEDIUM AS COLLECTIONS CHANNEL IN EUROPE• Launched digital medium as means of collection channel for major European markets, including UK, France and Italy, in shortest possible time• Undertook comprehensive deep-dive analysis to generate actionable insights monitoring performance of 23 KRIs to increase collections• Defining metric logics and working with Business Teams to implement then in RMS- platform to record customer profiling• Enabled an increase of 25% in collection effectiveness for High return segments of Digital Channel in comparison to BAU Chann el• Managed end to end project implementation by providing design solution, managing cross-team communication,documenting project progress andproviding inputs for service level meetings amongststakeholders, across operational lifecycle• Performed vintage P&L analysis to dissect profitability trends, presenting final results to Consumer Risk Head, providing recommendations to include business profitabilityTHIRD PARTY PLACEMENT AND PRICING STRATEGIES• Managed third party collections: placement, pricing and incentive strategies, identifying collection optimizing opportunities for $12B portfolio through in-depth analytics to deliver year over year improvement consistently, with end-to-end ownership of the project• Improved segmentation by building recovery score model, expected to deliver incremental recoveries of US $2.5 Mn• Introduced Pre-Legal letter strategy for 4 major markets-US, Australia, UK and Canada, with expected annual fee savings of over US $1M• Introduced Proactive Settlement strategy for Post-Charge Off and Legal Accounts, with estimated incremental collections of US $4.5M• Prepared various kind of analysis like Top Customer Analysis, Customer Profiling, Collection Effectiveness and ad-hoc analysis as per requirements• Monitored portfolio performance reports and flag any variance to the Business Teams Show less

• 

  EXL

  Sept 2021 - Jul 2024

  CRD IV IMPAIRMENT IMPLEMENTATION & REGULATORY REPORTING• Working as a credit risk consultant for a leading UK Bank, taking up responsibilities of lead developer for Data Engineering and Prudential Reporting team, designing solutions to enable Impairment Reporting Processes to be aligned with CRD4 guidelines. • Managed end to end delivery for Impairment Reporting which included requirements gathering, designing, development of SAS DI jobs, testing and validation• Designed and implemented solution to land data from Hadoop to bank’s legacy system- setup reporting framework to streamline processes, enabling automatic transfer of data and saving manual efforts• Enhanced process efficiency by automating processes to check for existence of Model Output Files and placing checks in place to ensure data quality• Provide correct Definition of Default (DoD) for proper exclusions and calibrating balances across different accounts under forbearance treatments to flow into downstream processes, which acts as feeders for IFRS9 Reporting• Updated processes to evaluate accuracy of models, to include contagion accounts pulled into Default status due to new DoD introduced• Performed volume testing and validation on strategical process flows and decision trees considering decisions based on Impairment models • Business point of contact for CRD4 Re-Engineering Project for Secured Portfolio, working with Stakeholders to ensure consistency in data reporting standards as per CRD4 requirements• Prepared Monthly Impairment Reports for top management in order to provide detailed analysis and insights on Portfolio Quality and Performance• Monitor existing model performance issues, changes in macro-economic factors and incorporate new policy changes• Identified process improvement areas to rectify tactical business problems through data analytics Show less

  • Senior Manager Analytics

    Apr 2023 - Jul 2024

  • Analytics Manager

    Nov 2022 - Mar 2023

  • Manager

    Sept 2021 - Nov 2022
• 

  Rabobank

  Aug 2024 - now

  Credit Risk Analyst