Open to opportunities

Chandan Nayak

@chandannayak

Message

I analyze credit card risk portfolios and automate actionable performance reporting.

India

Message

What I'm looking for

I'm looking to apply credit risk analytics, portfolio monitoring, reporting automation, and data visualization to help teams make stronger underwriting and portfolio management decisions.

At Towne Bank, I extract and consolidate credit card portfolio data using SQL, SAS, and Alteryx, supporting daily risk reporting and portfolio analysis. I've optimized SQL queries and ETL workflows to reduce processing time by 40%, while automating reporting with Python and Excel to reduce manual effort by 50%.

I monitor delinquency, roll rates, flow rates, vintage performance, MOB, FPD, utilization, ENR, charge-offs, recoveries, and early warning indicators. I build Power BI dashboards, validate portfolio data to maintain 99%+ reporting accuracy, and deliver portfolio deep-dives and customer segmentation insights for Risk, Underwriting, Collections, Finance, and Product teams.

Experience

Work history, roles, and key accomplishments

Current

Data Analyst

Current

Towne Bank

Sep 2023 - Present (2 years 11 months)

Extracted and consolidated daily credit card portfolio data from multiple banking systems using SQL, SAS and Alteryx, ensuring timely availability of data for risk reporting and portfolio analysis. Optimized SQL queries and ETL workflows, reducing data processing time by 40% and improving the efficiency of recurring portfolio reporting.