Ayush Vats

At CGI, I analyze banking portfolios, delinquency trends, and Days Past Due buckets to support collections, recovery, and credit risk strategies. I also design Credit Line Increase and Credit Line Decrease strategies using customer risk profiles, utilization, repayment behavior, and account performance.

I've maintained governance, quality, and integrity for banking and credit risk datasets with more than 15 million customer and loan records, achieving over 98% reporting accuracy. My validation, reconciliation, audit, and compliance controls contributed to a 10% reduction in operational expenses.

Previously at Commonwealth Bank, I used statistical analysis, predictive analytics, and data modeling across delinquency, roll rates, cure rates, NPL, and recovery trends. This improved portfolio monitoring efficiency by 35% and helped improve overall system efficiency by 12%.

I work across SAS, SAS Viya, SQL, Python, Alteryx, Tableau, Power BI, Excel, and ETL processes to turn complex data into dashboards, MIS reporting, risk insights, and scalable decision support for Risk, Operations, Strategy, Collections, Finance, and business teams.