Yuvaraj S

About Yuvaraj S

Seasoned Risk Analytics Professional with 15 years of total experience across the Microfinance and IT sectors, currently serving as Manager – Risk Analytics at Belstar Microfinance Ltd.I specialize in identifying fraud patterns, performing portfolio rating, and conducting scrub data analysis to assess customer indebtedness. With a strong command of ERM (Enterprise Risk Management), EWS (Early Warning Signals), DPD & Collection Trend Analysis, and RCM (Risk Control Matrix), I help drive strategic risk mitigation across the organization.Known for delivering high-impact insights through:RMC Board PresentationsAdvanced Analytical Models using SQL, Python, and Power BIIndebtedness Scrub & Cross-Bureau AnalysisEarly Risk Detection FrameworksTechnical Expertise:SQL | Python | Power BI | Advanced Excel | Generative AI ToolsI’m passionate about transforming data into decisions and am actively seeking new opportunities in Risk Analytics, Credit Risk, Operation Risk or Data Science roles within the BFSI or Fintech space.

Experience

1. Manager Risk Analytics

   Belstar Microfinance Limited

   Jul 2025 — Present · Chennai, IN

   Experienced Manager – Risk Analytics with a proven track record in driving risk mitigation strategies and ensuring portfolio quality. Skilled in coordinating Risk Assessment teams to identify emerging threats, streamline controls, and strengthen governance. Lead Fraud Analytics initiatives to detect anomalies, monitor transactional patterns, and support preventive action.Specialized in Performance Monitoring through deep-dive data analysis and dashboarding to track delinquency trends, repayment behavior, and risk exposures. Conduct Indebtedness Analysis using bureau data and internal metrics to assess borrower liabilities and support prudent lending decisions.Expert in Portfolio Rating models to evaluate creditworthiness and segment risk, enabling strategic risk-based pricing and lending. Ensure continuous Project Maintenance by overseeing implementation, updates, and stakeholder engagement across analytics and compliance tools. Adept in cross-functional collaboration and reporting for senior management and regulatory bodies.

Education

• Don bosco matriculation School

  High School, High School/Secondary Diplomas and Certificates

  2006 — 2009

• Thiruthangal Nadar College

  Bachelor of Business Administration (BBA), Business Administration and Management, General

  2008 — 2010