Ambarish Deb

About Ambarish Deb

Hi, I’m Ambarish Deb, an early-career analytics professional with experience across BFSI,…

Experience

1. Analytics Trainee - Retail Credit Monitoring and Analytics

   RBL Bank

   Apr 2025 — Present · Malad, IN

   Developed and Used SQL scripts to pull on-us and monthly cibil scrub data from the Data Warehouse to meet requirements.Designed and implemented a framework to monitor risk-bucket transitions, integrating it into Portfolio Monitoring Reports to improve early detection of emerging credit risks.Expanded Portfolio Monitoring Reports to incorporate new early-warning indicators, including risk-bucket transition trends, sale summaries of repossessed assets, RC pendency analysis in PDD, and bounce resolution tracking by MOB, strengthening proactive portfolio risk oversight.Streamlined monthly reporting for Rural Vehicle Finance and Two-Wheeler portfolios, including vintage delinquency analysis (30+/60+/90+ DPD), key KPIs, Two-Wheeler Portfolio Health Monitoring and customer segmentation for top-up loans, improving targeting and credit decision-making.Automated multiple reporting and segmentation workflows (including risk-level classification of sourcing channels/pincodes and On-Us/Off-Us DPD analysis)in Python, delivering 60–90% reductions in time-costs and accelerating insight delivery.Developed and maintained a master data repository for restrictions on RVF accounts basis performance of sourcing Channels, Pincodes, to enable monitoring of both overall and non-restricted RVF book so as to gauge effectiveness of restrictions.Conducted deep-dive analyses such as Subprime book viability, RAAC LTV optimization (achieving a 5% improvement), and cluster-based restriction effectiveness, enabling data-driven risk management decisions.Refactored existing workflows and optimized data pipelines to improve process efficiency and turnaround time without compromising result quality, enhancing the reliability of portfolio insights.Improved compliance monitoring by analyzing RC Pendency in PDD processes, ensuring timely closure of documentation gaps and mitigating regulatory risks.

Education

• SCIT - Symbiosis Centre For Information Technology

  Master of Business Administration - MBA, Data Science and Data Analytics

• Sri Guru Gobind Singh College Of Commerce

  Bachelor of Science - BS, Computer Science

• SYMBIOSIS INTERNATIONAL UNIVERSITY

  Master of Business Administration - MBA, Data Science and Data Analytics

• Veda Vyasa D.A.V Public School - India

  High School Diploma, Science