At Monese UK, I monitor a credit card portfolio of around 2.5 lakh accounts, tracking delinquency, roll rates, vintage, utilization, charge-offs and recoveries. My analysis of deteriorating segments contributed to a reduction in 30+ DPD.
I segmented customers by bureau score, repayment behavior, utilization, risk grade and acquisition channel. This identified a high-risk group shared with Collections for prioritization, while vintage and cohort analysis supported tightening one channel’s underwriting cut-off.
I automated 12 recurring MIS reports and KPI scorecards with SQL, SAS and Power BI, reducing monthly reporting effort by 45%. I also built interactive Power BI and Tableau dashboards for teams across Risk, Collections and Finance.
I use SQL, SAS, Python and Alteryx to extract, validate and reconcile portfolio data, and support quarterly IFRS-9 Expected Credit Loss reporting. My work has included optimizing data refresh workflows and maintaining 99.5%+ accuracy in management and regulatory reports.
