Somya Chhabra

About Somya Chhabra

Results-driven Fraud & Credit Risk Analytics professional with 3 years of experience at…

Experience

1. Sas Developer

   NatWest Group

   May 2022 — Present · Gurugram, IN

   Processed and analyzed large volumes of transactional and chargeback data in SAS, supporting identification of suspicious activity and fraud patterns in credit card portfolios.• Contributed to ECL, PD, and LGD estimations, incorporating fraud-related losses and ensuring accurate measurement of portfolio exposure from fraudulent chargebacks.• Ensured accuracy of fraud datasets through SAS-based validation techniques (PROC COMPARE, PROC FORMAT, data step logic), reducing false positives/negatives in fraud detection.• Automated MIS and KPI reports in SAS to track fraud recovery rates, chargeback ratios, fraud-to-sales metrics, and exposure volatility, strengthening fraud monitoring frameworks.• Applied advanced SAS functions (LAG, INTNX, ROUND, COALESCE) to detect seasonal spikes, emerging fraud schemes, and transaction anomalies across card usage.• Partnered with Risk, Compliance, and Fraud teams to optimize fraud detection rules, improve early-warning indicators, and align reporting with regulatory standards.• Leveraged SAS-Hadoop integration to extract and analyze massive transaction datasets, ensuring scalability of fraud analytics for high-volume card portfolios.• Built interactive Power BI dashboards using SAS-prepared data to visualize fraud trends, chargeback aging, recovery performance, and exposure hotspots for decision-makers.• Refactored and standardized SAS code to streamline fraud reporting processes, align with data lineage frameworks, and maintain system compatibility across fraud monitoring platforms.

Education

• Holy Child School at Rosemont

  X

  2015

• School Of Open Learning

  Bachelor of Commerce

  2017 — 2020

• Delhi University

  Bachelor of Commerce - BCom

  2017 — 2020

• Holy Child School at Rosemont

  XII

  2017