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Abhijit Kudtarkar

@abhijitkudtarkar

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Credit Risk Data Analyst using Python, SQL, SAS, and Tableau to drive safer lending decisions.

United States

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What I'm looking for

I’m looking for a credit risk or risk analytics role where I can build scorecards and machine learning models, create Tableau/SAS/Python dashboards, and translate risk signals into actionable underwriting and portfolio decisions.

I’m a Data Analyst with 6+ years of experience in credit risk analytics, banking, and consulting, focused on turning complex credit bureau and application data into measurable risk outcomes. I build scorecards and models to estimate Probability of Default (PD), improve risk tiering, and support data quality and decisioning.

In my recent role at EXL Service, I analyzed the impact of the student loan moratorium on consumer risk and used TransUnion Data Lake to strengthen credit data controls. I also proposed an optimized risk tiering strategy that reclassified 24% of customers as low risk while excluding 9% of high-risk customers. Earlier, I delivered Tableau dashboards for underwriting and affordability insights, and at Kotak Mahindra Bank I used SAS decision trees to pinpoint 15% of customers responsible for over 60% of defaults—bringing clarity and action to credit risk strategy.

Experience

Work history, roles, and key accomplishments

Senior Credit Risk Data Analyst

EXL Service

May 2025 - May 2026 (1 year)

Analyzed the impact of the student loan moratorium on consumer risk and delivered insights to inform credit risk strategy. Used TransUnion Data Lake (TUDL) to strengthen data quality controls and proposed an optimized risk tiering strategy that reclassified 24% of customers as low risk (0.14% default rate) while excluding 9% of high-risk customers (2.75% default rate).

Credit Risk TransUnion Data Lake (TUDL)Customer Segmentation

Graduate Student Assistant

The George Washington University School of Business

Apr 2024 - Dec 2024 (8 months)

Built Python web scraping scripts to extract Fortune MBA rankings and used regression to forecast GWU’s rank (48th predicted vs. 49th actual). Conducted comparative ranking analysis across 120+ institutions to support strategic decision-making for the Dean.

Python Web Scraping Regression Modeling Forecasting Data Analysis

External Data Analyst Consultant

Iconycs

Jan 2024 - May 2024 (4 months)

Created an interactive US Homeownership Dashboard in Tableau to show how buyer demographics influence property purchases. Built Tableau dashboards for financial institutions and housing developers to analyze affordability, buyer trends, and portfolio optimization using loan amount, LTV, and demographic inputs.

Tableau Dashboard Development Homeownership Analytics LTV Portfolio Optimization

Credit Risk Data Analyst Manager

Kotak Mahindra Bank

Jan 2022 - Jul 2023 (1 year 6 months)

Used SAS and Tableau to evaluate share-of-wallet, achieving a 7% acceptance rate for pre-approved credit card offers versus 4.3% by competitors and capturing a 63% wallet share. Applied SAS decision tree models to identify 15% of customers driving over 60% of defaults and analyzed payment behavior, including a 3x delinquency spike during COVID-19.

SAS Tableau Decision Trees SQL

Portfolio & Cross-Sell Data Analyst

Tata Capital

Sep 2019 - Jan 2022 (2 years 4 months)

Developed a logistic regression foreclosure prediction model to flag home loan customers with higher probability of foreclosure within 6 months. Analyzed bureau data to show that 2% of rejected applicants later secured loans elsewhere and defaulted, and used Python and Tableau to identify 10 high-potential markets for geo-expansion, collaborating to refine underwriting and reduce bad debt provisio

Python Logistic Regression Geo Expansion Analysis Tableau Underwriting Analytics Bad Debt Provisions

Business Development Officer

Sanguine Infra Tech

Aug 2017 - Jan 2019 (1 year 5 months)

Identified and shortlisted tenders from e-procurement portals aligned with the company’s strategic interests. Assisted with evaluating qualification criteria and assembling engineering teams to support bid execution.

Business Development Evaluation Criteria Engineering Team Assembly Bid Support