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BusinessAnalyst dataanalyst CreditPortfolioAnalyst Risk Analyst

Fremont, CA
February 19, 2020

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Palak Jain

Business Analyst Portfolio Credit Analyst

LinkedIn Profile +1-213-***-****

Professional Summary

SAS and LEAN Certified analytics professional with 7.3 yrs of work experience in Credit and Financial Services with Credit Risk, Business Risk Analytics, Portfolio Marketing Analytics, Campaign Analytics for Retail Services, Credit Cards and Retail Banking Domain Work Experience

Sep’ 2015 - Dec’ 2018 Assistant Manager Portfolio and Credit Analyst II Citibank N.A., Mumbai

Managed 6 portfolios end-to-end under Acquisition and Existing Card Member functions Optimized framework to include multiple new portfolios in the daily Policy and Regula- tory reports consumed by senior management

Mitigated improper communication with customers by developing financial Regulatory

& Policy, MIS reports and, monitoring and auditing existing reports using SAS, SAS EG, Teradata and SQL

Led the project to port 500 reports to a new platform Developed SAS code and SQL queries from scratch for Acquisition and Existing Card Mem- ber function which for 6 Portfolios

Reduced false positive by 98% in validation for reports by using Predictive Analytics Trained and Mentored new employees on SAS, SQL and different function process Oct’ 2014 - Aug’ 2015 Sr. Business Risk Analyst

JP Morgan Chase, Mumbai

Developed validations to cover any control gaps that might arise as credit card approval process moved from using Fraud IDA Score to Experian score Developed queries to flag credit applications approved incorrectly by the automated system

Performed anomaly detection and root cause analysis on acquisition data Led training workshops to teach Technical Skills like SAS and Unix to other employees May 2013 - Oct’ 2014 Portfolio Marketing Analyst

JP Morgan Chase, Mumbai

Created effective data visualization and simple to use high insight dashboards to track monthly and quarterly performance of prominent Chase credit card portfolios, P&L met- rics and various promotional campaigns using SAS, Excel, Essbase and Teradata Automated report generation to reduced generation time by 23 hours and increase it’s accuracy

Performed clustering on customer population to identify high and low risk customers using multiple signals based on customer profile

Sep’ 2011 - May’ 2013 Sr. Associate

Genpact, Bengaluru

Developed segmentation methods for campaigns of a major US retail bank with more than 400M existing customers

Automated report generation to send out appropriate communication to customers Reduced campaign execution time by 90% by developing stored procedures in SAS CI Skills

Programming Languages SQL, BASE SAS, Advanced SAS, Python Tools SAS CI, SAS-EG, Excel, Knowledge Studio, Essbase Database and Storage Teradata, Oracle 10g, FDR

Operating Systems Unix, Windows, Mac OS


Jan’ 2018 ”Citi Applause” for exceptional performance from senior management Citibank N.A., Mumbai

May 2017 ”Star Player” award for outstanding performance for portfolio management Citibank N.A., Mumbai

Jan’ 2014 ”Trail Blazer Award” for outstanding performance in Portfolio Analytics JP Morgan Chase, Mumbai

Nov’ 2012 ”Diamond Award” for improving process efficiency Genpact, Bengaluru


Sep’ 2006 - Jun’ 2010 B. Tech. - Electronics and Instrumentation Rajiv Gandhi Prodyogiki Vishwavidayalaya, Bhopal

Jun’ 2005 - Jun’ 2006 12th

Grade (HSC) - CBSE

Shri Gujarati Samaj, Indore

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