Parul Joshi

I am a Senior Risk Analytics professional with 6+ years of experience focusing on credit risk strategy, portfolio analytics, and policy optimization for large-scale US commercial and small business portfolios.

I translate complex risk signals into actionable insights for senior leadership and risk committees, delivering measurable savings through policy changes, A/B testing, and early-warning monitoring frameworks.

I have led initiatives that produced multi-million-dollar annualized savings, developed automated Power BI dashboards for portfolio monitoring, and built segmentation frameworks aligned to business cycles and customer behavior.

I mentor analysts, collaborate cross-functionally across geographies, and maintain strong governance and compliance in reporting while continuously improving decisioning through data-driven approaches.