# Ratnadweep Saha

Ratnadweep Saha is a remote worker on Himalayas, Sr. Analyst – Risk Management at American Express, based in India.

Source: https://himalayas.app/@ratnadweepsaha

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

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | India |
| Authorized to work in | India |
| Salary expectations | 3972k+ INR |
| Job categories | Business Analyst, Credit Risk Analyst, Risk Management Analyst |
| Skills | Business Analytics, Credit Risk Management, Credit Strategy, Lending Policies, Credit Underwriting, Portfolio Risk, Credit Decisioning, Credit Analysis, Trade Finance, predictive modeling, Exploratory Data Analysis, Confirmatory Data Analysis, Logistic Regression, XGBoost, Risk Stratification |
| LinkedIn | https://linkedin.com/in/rdsaha |

## About

```text
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

### Sr. Analyst – Risk Management (current)

[American Express](https://himalayas.app/companies/american-express-company). Mar 2022 - Present

```text
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.
```

Skills: 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

```text
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.
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Skills: Credit-Analysis, Trade-Finance, Financial-Reporting, Relationship-Management, MIS, Market-Intelligence

### Associate Consultant

[Bain Capability Network](https://himalayas.app/companies/bain-company). Apr 2020 - Jun 2020

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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.
```

Skills: Market-Research, Competitive-Analysis, Benchmarking, Data-Analysis

### Management Trainee – Mining

Coal India Limited. Oct 2017 - Apr 2019

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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.
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Skills: Operations-Management, Budgeting, Manpower-Allocation, Optimization, Leadership

## Education

### SBM, NMIMS, Mumbai

MBA, Business Administration. Grade: 3.34/4

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MBA from SBM, NMIMS, Mumbai, completed in 2021.
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### IIT Kharagpur

BTech-MTech (Dual), Engineering. Grade: 8.97/10

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BTech-MTech dual degree from IIT Kharagpur, completed in 2017.
```

## Tech stack

- Tableau
- SAS
- NumPy
- Pandas
- MySQL
- Python
- C
- MATLAB
- SQL
- XGBoost
- ChatGPT
- Seaborn
- Microsoft Word
- Microsoft PowerPoint

To contact Ratnadweep, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire).

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