SHESADEV SHA

Experience

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  Smart Edge Software Pvt Ltd

  Dec 2013 - Apr 2017

  Software Developer

  • Automating all the existing reports which are manual and publishing in excel with the use of SAS base and MySQL.Reports Automated:• Automated Process to report Consumer data to Credit Agencies• Monthly Balance Sheet and P/L statements Branch Score Card.• Prepared a project for AM, RBM Branch visits Analysis.• Prepared a project for Staff Action PSV and IAD zero and one star rating.• Checking the SAS datasets for monthly updating and sending the reports for verification. Show less

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  Aavas Housing Financiers Ltd Former Know as Au Housing Financiers Limited

  May 2017 - Jun 2019

  Data Analyst

  Major Projects: Application Score Card  Developed a scorecard to accept/reject the applications at an early stage on the basis of the inherent credit risk. Bounce Prediction  Developed a classification model to identify the accounts which will potentially bounce on their next due date which calculates the probability of bounce of each customer. NPA Model  Developed NPA model to calculate the probability of customers being 90+ DPD at any stage using different machine learning algorithms like Logistic regression, Random Forest .• Interact with Stake Holders, Business Seniors and End Users for understanding data requirements and business logic and translate them into application modules (SQL queries) and extracting data from Database tables and preparing reports using SAS.• Responsible for providing valuable data to business users for their analysis, MIS generation and execute campaigns in given time period.• Responsible for preparing the data from database for analytics and statistical modelling.• Optimize the existing SAS queries, SQL statements and scripts for better performance.• Developing Reports through SAS at various levels.• Providing quality, valuable Trend Analysis and alerts in the reports to the management for better decision.• Knowledge on various Predictive modelling techniques like Regression, Forecasting and Clustering and Score card.• Allocating delinquent accounts based on customer pin code and the risk score calculated.Reject Inferencing:• To identify the credit policy effectiveness / gaps and the potential to relax our risk parametersCollections Scorecard:• To identify Self-cure and PD to optimize the cost of collections, improve the Return on Efforts and control the Roll Forward Rate Show less

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  IndusInd Bank

  Jun 2019 - Mar 2023

  Retail Assets Analytics

  *Development and Deployment of Risk Scoring Models for the Unsecured Lending Portfolio*Responsible for Portfolio Monitoring and recommendations for Portfolio Actions*Designing Credit Underwriting Policies and Strategy backed by Data*Designing Digital Lending Strategy for PL on NTB and NTC *Analyzing and Quantifying Fintech Lending Partnerships with the focus on Risk strategy*New lending initiatives & Risk Management using Advanced Analytics for Retail assets

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  AU SMALL FINANCE BANK

  Jan 2023 - now

  Lead Business Analyst

  7 years of experience in Corporate Strategy and Risk AnalyticsLeading the Predictive Analytics team for retail asset products such as Personal Loans, Commercial Vehicle Finance, mortgages and Business loans. Core focus has been to build predictive models to reduce delinquency and increase cross sell to existing clientsI was part of Strategic Projects team (Consumer Banking) at IndusInd Bank. Responsible for strategy and execution of projects to improve Sales force productivity.