Siddhant Mishra

About Siddhant Mishra

I am a Data Analyst with 3+ years of experience in Banking Credit Risk Analytics, specializing in retail loan portfolio analysis, delinquency monitoring, and risk MIS reporting. I combine strong analytical skills with business understanding to support credit strategy, risk management, and performance optimization in regulated banking environments.My core expertise includes DPD bucket analysis, roll rate and vintage analysis, early warning signal (EWS) identification, and portfolio performance tracking across customer segments. I have hands-on experience supporting PD, LGD, EAD, and ECL monitoring by delivering clean, reliable datasets and conducting post-model performance analysis.Technically, I work extensively with SQL, Python (Pandas, NumPy), Alteryx, Advanced Excel, Power BI, and Tableau to extract, transform, and analyze large datasets. I have automated recurring MIS and reporting workflows, reducing manual effort by 30–40% while improving data accuracy and turnaround time. I have also optimized complex SQL queries, cutting portfolio reporting TAT by over 30%.I have contributed to reducing early-stage delinquency (0–30 DPD) by 5–7% through proactive monitoring using roll rate and vintage analysis, and improved approval-to-disbursal conversion by refining policy rule analysis and underwriting insights.I am passionate about leveraging data-driven insights to strengthen credit decisioning, enhance portfolio quality, and drive risk-adjusted business growth. Open to opportunities in Credit Risk Analytics, Banking Analytics, and Senior Data Analyst roles where I can create measurable business impact.

Experience

1. Credit Risk Analyst

   Valueserv Consulting

   Jan 2023 — Present · Bengaluru, IN

   Analyzed personal loan acquisition data across applications, approvals, rejections and disbursals using SQL, Python and Excel to support credit risk and business decision-making. Performed pre-disbursal risk analysis by evaluating applicant demographics, bureau attributes, income profiles and policy rules to improve approval quality. Conducted policy rule performance analysis (cut-offs, eligibility checks, rejection reasons), helping refine underwriting criteria and improve approval-to-disbursal conversion by 8–10%. Developed and automated origination MIS dashboards using Power BI, enabling real-time tracking of funnel metrics such as application volume, approval rate and drop-offs. Used Python for data cleansing, segmentation and trend analysis across sourcing channels, reducing manual analysis effort by 30%. Automated recurring data preparation and validation workflows using Alteryx, improving data accuracy and consistency across reports. Analyzed sourcing channel and campaign performance, identifying low-risk, high-conversion segments and supporting a 5–7% reduction in acquisition cost. Assisted in building and monitoring risk-based pricing and offer segmentation logic, supporting improved risk-adjusted returns on newly originated loans. Analyzed post-disbursal personal loan portfolio performance using SQL, Python and Excel, tracking key metrics including outstandings, utilization, repayments, delinquency and default rates across customer segments. Built and optimized SQL queries to extract large, account-level datasets, reducing portfolio reporting turnaround time by 30–35%. Conducted DPD bucket analysis (0–30, 31–60, 61–90, NPA) to monitor delinquency movement and identify early warning signals (EWS), supporting proactive risk actions. Performed roll rate and vintage analysis to assess portfolio quality over time, enabling data-driven adjustments that reduced early-stage delinquency by 5–7%.

Education

• Siksha 'O'​ Anusandhan University

  Bachelor of Technology, Computer Science