Open to opportunities

Rajika User

@rajikauser

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I’m a credit risk and data analytics professional building models and dashboards for better lending decisions.

India

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What I'm looking for

I’m looking for a role where I can own credit risk/analytical modelling and also build clear dashboards with Python and BI tools. I want a collaborative environment that values model validation, measurable performance improvements, and stakeholder-ready insights.

I specialize in credit risk modelling and analytics, validating core drivers like PiT-PD, ECL, LGD, and portfolio risk outputs for banking and financial services. At Auronova Consulting, I designed end-to-end credit risk pipelines (preprocessing, WoE, feature selection, development, validation, and deployment) and reduced prediction error by 44% (MAPE) through model optimization and feature engineering.

I also turn complex data into decision-ready insights through BI. As a Visualization Analyst Intern, I built systemized Tableau dashboards to monitor inventory, import volumes, and procurement metrics, reducing manual reporting effort by 5+ hours per week by automating refreshes and integrating ERP/SAP datasets. Earlier, I delivered a Python DCF valuation model that cut manual effort by 70%, and I supported marketing analytics work that improved impressions/clicks by 74% and increased revenue by 7%.

Experience

Work history, roles, and key accomplishments

Visualization Analyst Intern

Esse Trading Impex LLP

Nov 2025 - Apr 2026 (5 months)

Built and systemized Tableau dashboards to monitor inventory levels, import volumes, and procurement metrics using Python and scheduled refreshes. Integrated ERP/SAP procurement data into centralized dashboards to improve inventory tracking and reporting efficiency.

Tableau Python Dashboarding Data Integration SAP ERP Inventory Analytics Procurement Analytics

Senior Risk Analyst

Auronova Consulting

Jul 2023 - May 2025 (1 year 10 months)

Validated credit risk models and developed end-to-end credit risk modelling pipelines for IFRS 9 and Basel-aligned outputs including B-Score, PiT-PD, Corporate Rating, ECL, and LGD. Built Tableau dashboards and performed model validation activities such as backtesting, sensitivity analysis, calibration testing, and stability analysis.

Python Credit Risk Modeling IFRS 9 BASEL Point In Time PD Logistic Regression Feature Engineering WoE Transformation Model Validation Sensitivity Analysis Discriminatory Power Assessment Tableau

Data Scientist Intern

Corestrat

Jan 2023 - May 2023 (4 months)

Developed a self-acting DCF valuation model in Python to support startup valuation and reduce manual financial analysis effort. Built three-statement financial models, and performed data cleaning, validation, and forecasting for investment evaluation.

Python DCF Valuations Financial Modeling Data Cleaning Data Validation Forecasting

Marketing Data Analyst Intern

Ethosh

May 2022 - Jul 2022 (2 months)

Analyzed digital advertising campaign performance using Google Ads data to identify optimization opportunities and improve impressions, clicks, and revenue. Produced insights to support campaign optimization across channels over the campaign period.

Marketing Analytics Google Ads Advertising Campaign Performance