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Ratnadweep Saha

@ratnadweepsaha

Business Analytics Sr. Analyst at American Express, shaping lending risk policies and increasing revolve balances by 10%.

India

Message

At American Express, I optimize credit policies across Consumer, SBS, and Commercial portfolios. I identified bureau and application drivers of revolve propensity and developed an AU credit policy that increased revolve balances by 10%.

I manage annual credit exposure across a ~USD 10Bn portfolio, build Tableau dashboards to monitor delinquency and utilization, and have supported risk platform migrations. Earlier, at ICICI Bank, I analyzed credit and managed cross-border trade finance transactions for 10+ corporates.

Experience

Work history, roles, and key accomplishments

Current

Sr. Analyst – Risk Management

Current

American Express

Mar 2022 - Present (4 years 6 months)

Optimized credit policies across Consumer, SBS, and Commercial portfolios, improving utilization efficiency, profitability, and credit quality. Managed annual credit exposure of ~USD 10Bn and led risk validation for platform migrations.

Credit Risk Lending Policies Portfolio Management Tableau Python SAS SQL Logistic Regression XGBoost ChatGPT Custom GPTs Data Analysis Segmentation Stakeholder Management

Management Trainee – Corporate Banking, IBG

ICICI Bank

Jun 2021 - Feb 2022 (8 months)

Analyzed clients' business models and prepared Credit Monitoring Agreements for credit disbursal. Managed cross-border trade finance transactions for 10+ corporates, supporting Buyer's Credit, Supplier's Credit, and LC of ~USD 15MM.

Credit Analysis Trade Finance Financial Reporting Relationship Management MIS Market Intelligence

Associate Consultant

Bain Capability Network

Apr 2020 - Jun 2020 (2 months)

Conducted market research on B2B telecom services and assessed competitive landscape for USA, EMEA & APAC markets. Built quantitative benchmark for 9 major global operators based on technical and professional service offerings.

Market Research Competitive Analysis Benchmarking Data Analysis

Management Trainee – Mining

Coal India Limited

Oct 2017 - Apr 2019 (1 year 6 months)

Supported underground mine planning, budgeting, and manpower allocation to improve operational efficiency and production output. Managed multi-shift production operations involving 600+ workers, ensuring productivity, safety, and operational continuity.

Operations Management Budgeting Manpower Allocation Optimization Leadership