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bikram kumar nayak

@bikramkumarnayak

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Credit Risk Analyst at Standard Chartered supporting IFRS 9 loss calculations with SAS, SQL, and data quality checks.

India

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At Standard Chartered, I work as a Business Analyst on SPLICE, supporting IFRS 9 expected credit loss calculations for credit-risk portfolios. I extract and process data with SAS and SQL, then validate it before it enters the calculation engine.

I gather stakeholder requirements, prepare BRD/FRD documents and functional specifications, and help clarify needs between business and development teams.

At Chubb Business Services India Pvt Ltd, I implemented IFRS 9 credit risk models for PD, LGD, and EAD, and supported end-to-end ECL calculations. I also designed data models and maintained DataMarts for banking credit risk analytics.

Earlier, at SoftcrylicTechnologySolutions India Pvt.Ltd., I developed automated reporting pipelines using SAS, SQL, and Python, reducing manual processing time by 40%. Across my work, I’ve supported credit risk analytics, regulatory reporting, and data quality across banking and financial services.

Experience

Work history, roles, and key accomplishments

Current

Business Analyst (SPLICE)

Current

Standard Chartered (Aditi Consulting)

Apr 2026 - Present (6 months)

Worked as a Business Analyst on SPLICE supporting IFRS 9/ECL calculations. Extracted and processed data using SAS and SQL, performed data quality validations, and prepared BRD/FRD documents.

SAS SQL IFRS 9 ECL Data Quality BRD FRD Requirements Gathering

Senior Data Analyst (Credit Risk & Regulatory Reporting)

KPMG (Quess Corp)

Aug 2025 - Jan 2026 (5 months)

Enhanced EUC controls for PD, EAD, and LGD model inputs, reviewed model documentation for compliance, and supported stress-testing cycles and regulatory submissions.

EUC PD Modeling EAD LGD IFRS 9 Risk Control Regulatory Reporting

Analyst Data (Banking Credit Risk Analytics)

Chubb Business Services India Pvt Ltd

Jul 2022 - Jan 2025 (2 years 6 months)

Designed and maintained DataMart architecture for credit risk analytics, implemented IFRS 9 models (PD, LGD, EAD) for ECL calculation, and supported regulatory reporting.

Data Marts SQL SAS Python IFRS 9 PD Modeling LGD EAD ECL Delinquency Analysis

Consultant - Data Science & Analytics

Softcrylic Technology Solutions India Pvt. Ltd.

May 2021 - Jun 2022 (1 year 1 month)

Developed automated data pipelines using SAS, SQL, and Python for marketing campaign reporting, reducing manual processing time by 40%. Prepared periodic reports and conducted fallout analysis.

SAS SQL Python Data Pipelines Marketing Analytics Reporting

Data Analyst (Credit Risk)

Citicorp Service India Pvt. Ltd.

Jan 2020 - Aug 2020 (7 months)

Applied data quality checks and reconciliation controls for CCAR and CECL regulatory reporting, reducing reporting discrepancies by 30%. Analyzed delinquent accounts for collection strategy reports.

Data Quality CCAR CECL Regulatory Reporting Delinquency Analysis

Associate Data Analyst

Sobeit Technologies Pvt. Ltd.

Aug 2018 - Dec 2019 (1 year 4 months)

Expanded customer usage segmentation models using SQL and Python, increasing ARPU by 12%. Developed SAS-based automation for portfolio reporting and conducted customer lifecycle analysis.

SQL Python SAS Segmentation ARPU Customer Lifecycle