Sinchana R

Data Analyst| Risk Analytics | Data Analysis | Loss Forecasting | Credit Risk - IFRS9 | Business Intelligence | Risk Reporting | SAS | SQL | Python | Power BI | Tableau | BFSI
Results-driven Data Analyst with 4+ years of experience in Banking Credit Risk and IT, specializing in transforming complex datasets into actionable insights. Proven expertise in retail banking analytics, particularly in Expected Credit Loss (ECL) forecasting, IFRS9 impairment analysis, and delinquency monitoring across secured and unsecured loan products.
At Tech Mahindra as a Senior Data Analyst, I've developed comprehensive Risk Reporting systems that track key performance indicators and loan impairment charges, enabling senior management to make informed strategic decisions. My implementation of SAS Programming for risk reporting reduced manual data analysis time by 40%. I've contributed to creating ECL walk reports providing early visibility into monthly trends across diverse product portfolios, strengthening Loss Forecasting capabilities by applying principles of PD, EAD, and LGD.
Previously at Infosys as a Senior Systems Engineer, I designed and implemented microservice architecture using C# and .NET framework, improving system efficiency by 30%. I led Agile development teams and implemented CI/CD pipelines for automated testing and deployment, enhancing my technical foundation in Business Intelligence.
Proficient in SQL, SAS, Python, Power BI, and Tableau, with advanced Excel skills including Pivot Tables and VLOOKUP. I possess strong analytical skills in the BFSI sector, with expertise in stakeholder communication and team mentoring. My comprehensive understanding of regulatory frameworks like IFRS9 and basic AML concepts enables effective Data Analysis and communication of complex insights to both technical and non-technical stakeholders.
Seeking opportunities to leverage my expertise in Risk Analytics and data visualization to contribute to organizational growth and optimization as a Data Analyst.

As an analyst in the Group Loss Forecasting team, I was responsible for assessing the performance of secured and unsecured loan products across various regions, products, delinquency bands, and time periods. The role involved evaluating how performance impacted business outcomes, both positively and negatively, identifying trends and patterns to support strategic decision-making.
● Retail Banking Product Expertise: Demonstrating in-depth expertise in both secured and unsecured retail banking products, using this knowledge to enhance the accuracy of risk and loss forecasting across diverse portfolios
● ECL Walk Creation: Contributed to teams focused on creating Expected Credit Loss (ECL) walk reports from the impairment calculation engine. These reports provided an early and comprehensive view of monthly ECL trends across secured products (e.g., mortgages, auto loans) and unsecured products (e.g., credit cards, overdrafts), ensuring alignment of movements with Financial Resource Planning (FRP)
● Key Drivers Analysis: Prepared reports and generated insights on Loan Impairment Charges (LIC) key drivers to evaluate whether ECL movements were driven by volume or quality. Integrated these insights with delinquency monitoring to provide senior management with a comprehensive view, connecting delinquency trends to ECL outcomes for a thorough assessment of portfolio health.
● Developed automated workflows for Loan Impairment Charges (LIC) reporting, streamlining monthly analysis processes
● Delinquency Monitoring Reports: Developed and managed delinquency monitoring reports, tracking both actuals and Financial Resource Planning (FRP) to monitor balance movements across delinquency buckets, ranging from current status to 179+ days past due. Analyzed delinquency rates and flow-through rates for early-stage buckets (1-29 DPD, 30-59 DPD, and 60-89 DPD), providing actionable insights on intra-bucket balance movements for key markets and portfolios, aiding in risk optimization.
● Implemented SAS Programming for efficient and precise risk reporting, reducing manual data analysis time by 40%
● Processed and interpreted large sets of data using SAS SQL for accurate risk forecasting
● Loan Impairment Charges (LIC) Pack: Created and presented the monthly Loan Impairment Charges (LIC) actuals pack, offering analysis of favorability or adversity against Financial Resource Planning (FRP) goals across products.
● Identified opportunities for improvement through analysis of key metrics and KPIs
● IFRS9 Impairment Analytics Expertise: Possessing a strong understanding of IFRS9 impairment concepts, including Expected Credit Loss (ECL), Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD), and applying these principles effectively to forecast loss and conduct credit risk analysis, evaluating the impact of ECL raise or release on loan impairment charges.
● Stakeholder Communication & Reporting: Delivering reports and insights to senior management and stakeholders, providing a comprehensive view of ECL trends, delinquency movements, and loan impairment charges, effectively communicating findings, and contributing to improved decision-making and strategic planning.

Bachelors Degree in Computer Science and Engineering