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Data Analyst with less than a year in financial analytics and risk prediction
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Assessing your cultural and operational fit
Data Analyst with M. Com in Finance specializing in cohort analysis, user retention metrics, and default risk prediction. Proficient in SQL (BigQuery), R, and Tableau with proven ability to extract actionable insights from datasets of 1M+ transactions. Experience in behavioural analytics and feature engineering relevant to fintech lending and product growth environments.
KLS Gogte College of Commerce, Belagavi
Master of Commerce (M. Com) · Accounting & Finance
January 1, 2023 – January 1, 2025
KLS Gogte College of Commerce, Belagavi
Bachelor of Commerce (B. Com) · Accounting & Finance
January 1, 2020 – January 1, 2023
Berka Cohort Analysis - Early Transaction Patterns & Credit Risk
January 1, 2026 – June 1, 2026
Engineered data pipelines for 1M+ bank transactions across 8 relational tables using BigQuery for feature extraction and cohort framing; modelled early-stage default risk using logistic regression in R. Key Finding: Low-frequency accounts (1-4 transactions in first 90 days) default at 25% vs 9.6% for active users; each additional active month reduces default risk by 20% (Odds Ratio: 0.80). Identified a distinct declining balance trajectory prior to default events — a behavioural signal detectable early in the account lifecycle; visualized in a Tableau dashboard.
NPA Banking Analysis – Did IBC 2016 Actually Work?
January 1, 2026 – June 1, 2026
Analyzed Non-Performing Assets across PSU, Private, and foreign banks (2012–2024) using R and RBI data; applied Wilcoxon statistical testing for significance validation. Key Finding: Private Sector Banks recovered 58% faster than PSU banks post-peak — evidence of structural differences in credit risk management frameworks. Built an interactive Tableau dashboard visualizing sector-wise NPA trends, recovery trajectories, and IBC 2016 impact periods.
India Tourism Recovery - Post-COVID State Analysis
January 1, 2026 – June 1, 2026
Analyzed 36 Indian states (2016-2022) using R, BigQuery SQL, and Tableau to model macroeconomic recovery patterns post-COVID. Key Finding: Domestic tourism recovered fully by 2021; foreign arrivals remained 40% below 2019 levels; Gujarat recovered 231%. Built a 4-view Tableau dashboard: state recovery rankings, domestic vs foreign mix, choropleth map, and national trend lines.
Google Data Analytics Professional Certificate
Coursera / Google
June 1, 2026 – Present
Cultural Fit Analysis
The candidate's academic projects demonstrate a strong interest in financial data analysis, which aligns well with roles requiring deep dives into banking and economic data. The projects show initiative in applying analytical techniques to real-world scenarios. The 'Google Data Analytics Professional Certificate' further indicates a commitment to structured learning and professional development in the field. The lack of professional experience and the academic nature of projects might require a supportive environment for transitioning into a corporate setting.
Soft Skills & Operational Fit
The candidate's psychometric test score is below average, suggesting potential areas for development in logical reasoning, work attitude, stress handling, or team collaboration. However, project descriptions indicate an ability to work independently on complex analytical tasks. The English test score is moderate, indicating acceptable communication clarity for technical roles.