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Swaksha Halde

@swakshahalde

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Senior Credit Risk Analyst at Fairmoney who grew monthly top-up loan revenue 5x.

India

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What I'm looking for

I'm looking to use my experience in financial analysis, credit risk strategy, and regulatory compliance to contribute to the success of a dynamic organization.

At Fairmoney, I took complete ownership of the top-up loan product for the Nigerian market, serving new and returning clients. The work drove monthly revenue from 1.5B NGN to 9B NGN.

I engineered and deployed credit risk strategies that improved portfolio performance by 5 percentage points and boosted IRR and gross profit by 10 percentage points. I also contributed to the ECL model for Nigeria’s Android personal loan business.

At Navi Technologies, I implemented IFRS 9-compliant ECL models for a 6000 Cr portfolio and led work to mitigate Evergreening practices, reducing potential credit losses by 15 percentage points, totaling 20 Cr.

At IQVIA, I designed incentive compensation plans for a pharmaceutical client and maintained Power BI reporting for a 550-person field force. I also developed targeted reports for executive stakeholders.

Experience

Work history, roles, and key accomplishments

Current

Senior Credit Risk Analyst

Current

Fairmoney

Jan 2024 - Present (2 years 9 months)

Spearheaded the complete ownership of the top-up loan product for the Nigerian market, driving a 5x increase in revenue from 1.5B NGN to 9B NGN monthly. Engineered and deployed new credit risk strategies, enhancing portfolio performance by 5pp and boosting IRR and Gross Profit by 10pp.

Credit Risk Portfolio Management Product Strategy Cross Functional Collaboration ECL Modeling Data Analysis SQL Python SAS R Tableau Power BI IFRS 9 LGD PD Modeling EAD

Credit Risk Analyst

Navi Technologies

Mar 2022 - Dec 2023 (1 year 9 months)

Spearheaded the implementation of IFRS 9 compliant ECL models for a 6000 Cr portfolio, utilizing historical data and statistical modeling to accurately assess credit risk exposure. Led a project to mitigate Evergreening practices, resulting in a 15pp reduction in potential credit losses, totaling 20 Cr.

Credit Risk IFRS 9 ECL Modeling Statistical Modeling Data Analysis SQL Python SAS R Tableau Power BI

Business Analyst

IQVIA

Sep 2020 - Mar 2022 (1 year 6 months)

Designed a customized incentive compensation program for sales representatives of a prominent US-based pharmaceutical client specializing in glucose monitoring devices. Established and maintained comprehensive Power BI reporting for a field force comprising 550 employees, enabling real-time monitoring of monthly and year-to-date performance.