UDAY KUMAR
Analytical Consultant | Credit Risk & Data Analytics • Hyderabad, India • u*************@gmail.com • +91*******727 • drivetube.ai/•••••
Professional Summary
Analytical Consultant with 4+ years of experience delivering SAS- and SQL-based credit risk and regulatory remediation analytics across BFSI environments. Proven track record reducing identification cycle time by ~30%, cutting manual reporting effort by ~40%, and validating 500K+ customer records against regulatory business rules. Skilled in portfolio performance monitoring, data quality validation, MIS automation, root cause analysis, and stakeholder delivery, with growing proficiency in Python (pandas, NumPy).
Technical Skills
Programming Languages: Python
Frameworks and Libraries: pandas,NumPy
Databases: SQL,Teradata,Oracle
Data and Analytics: Credit Risk Analytics,Home Lending Remediation,Portfolio Analytics,Delinquency and Roll Rate Analysis,Regulatory Compliance Reporting,Impact Assessment,Data Quality and Validation,Excel
Tools and Methodologies: SAS Enterprise Guide,SAS Viya 4.0
Skills: Base SAS,SAS,SAS Macros,PROC SQL
Reporting & Productivity: MIS Automation,KPI and Dashboard Reporting,PowerPoint
Methods & Stakeholder Skills: Root Cause Analysis,Stakeholder Management
Work Experience
Wells Fargo
Analytical Consultant
Mar 2024 – Present
Supported home lending remediation analytics at Wells Fargo, delivering regulatory remediation identification, validation and MIS for mortgage portfolios.
Tech Stack: Base SAS, SAS Macros, PROC SQL, SAS Enterprise Guide, SAS Viya 4.0, SQL, Excel
- Developed SAS (Base SAS, SAS Macros) and PROC SQL programs to identify remediation-impacted mortgage customer populations, reducing identification cycle time by ~30% and increasing target accuracy.
- Validated 500K+ customer records against regulatory business rules using SQL and SAS, producing exception lists that prioritized remediation workflows and reduced rework rates.
- Automated recurring remediation MIS and analytical workflows with SAS Macros and SAS Enterprise Guide, cutting manual reporting effort by ~40% and shortening report turnaround from days to hours.
- Executed data quality checks and cross-system reconciliations to surface root-cause data issues in loan servicing records, enabling permanent fixes and supporting audit responses.
- Coordinated with operations, compliance and technology stakeholders to translate regulatory requirements into testable rules and delivery milestones, ensuring remediation stayed on schedule.
- Prepared and presented ad hoc impact assessments and senior-level reports using SAS and Excel to quantify remediation exposure and inform regulatory reporting decisions.
Axis Bank
Business Analyst
Oct 2021 – Oct 2023
Provided credit risk portfolio analytics and MIS at Axis Bank, supporting risk management, portfolio monitoring, and regulatory reporting for retail credit products.
Tech Stack: Base SAS, PROC SQL, SQL, Teradata, Oracle, Excel, PowerPoint
- Designed and automated Credit Risk MIS and portfolio performance reports using Base SAS and PROC SQL, improving reporting accuracy and delivery speed by ~35%.
- Performed delinquency trend, roll-rate and vintage analyses to detect emerging credit risk signals and influence credit policy and collection strategies.
- Extracted, cleansed and reconciled data from Teradata and Oracle using SQL and SAS to ensure reliable inputs for monthly and quarterly risk reports.
- Implemented data validation and reconciliation routines that reduced recurring data issues and improved the integrity of risk metrics used by senior management.
- Built KPI dashboards and management reports combining SAS outputs and Excel to monitor portfolio health and provide decision-ready metrics to leadership.
- Collaborated with risk, operations and business stakeholders to gather requirements and deliver ad hoc analyses supporting portfolio strategy and regulatory submissions.
Home Lending Remediation Analytics
Education
Jawaharlal Nehru Technological University, Anantapur
Bachelor of Technology (B.Tech) • 2014 – 2018
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