Sushant Kumar Singh

About Sushant Kumar Singh

As a Credit Strategy Analyst at HDFC Bank, I leverage my expertise in credit card analytics and risk management to drive portfolio health and strategic decision-making. Utilizing tools like Power BI, Excel, and Python, I actively monitor trends and implement data-driven strategies to mitigate risks and enhance portfolio performance.My journey began with a PGDM in Banking and Financial Services from the National Institute of Bank Management, which laid a strong foundation for my career. At HDFC Bank, I collaborate with a dynamic team to manage portfolio risk through policy adjustments and market trend analysis.

Experience

1. Credit Straregy and Risk Analyst- Credit Cards

   HDFC Bank

   Apr 2023 — Present · Mumbai, IN

   Led the overall consumer credit lifecycle for a million-dollar card portfolio, covering customer acquisition, initial limit management,card blocking strategies, transactions monitoring and portfolio management.•Analyzed trends using advanced analytical tools like Power BI, Excel, Tableau, Python, and R to drive data-driven decisions.•Strategized and implemented changes to working methods and credit policy.•Evaluated existing credit policies and processes, recommending amendments in line with business goals, regulatory requirements, and industry standards.•Conducted periodic credit reviews of the portfolio, identifying high-risk segments and incorporating policy and process improvements to mitigate risks.•Took proactive actions to mitigate identified risks based on portfolio performance, ensuring alignment with risk appetite.•Identified solutions to improve existing processes, enhancing portfolio management functions and operational efficiency.•Analyzed various MIS reports using SQL, Power BI, Python, and Tableau to monitor portfolio performance, identify underperforming segments, and derive early warning signals contributing to a reduction in credit costs.•Automated existing credit policies to reduce manual intervention in assessing creditworthiness and worked on the standardization of policies and processes to improve consistency and data efficiency.•Collaborated with cross-functional stakeholders to ensure seamless execution of Credit card portfolio processes, enhancing operational efficiency and risk management. •Pioneered strategies for model and process improvements, increasing overall process efficiency.

Education

• GOVERNMENT ENGINEERING COLLEGE, BHUJ 015

  Mechanical

  2014 — 2018

• National Institute of Bank Management

  PGDM

  2021 — 2023