Jayant Singh
Business Data Analyst
Termonfeckin,Dublin
Summary
Thorough banking professional knowledgeable about bank products, processes and regulations. Confident and organised in helping consumers navigate sometimes-complex systems to achieve financial goals and boost bank profitability. History completing impeccable work balancing institutional and consumer needs.
Overview
23
23
years of professional experience
3
3
years of post-secondary education
Work History
Senior Business Analyst
One IP Networks
Noida, Uttar Pradesh
01.2013 - Current
- Planned and managed business optimisation projects to boosting profitability.
- Facilitated strategic decision making by effectively communicating insights to executives and end-users.
- Assured feasibility of proposed solutions, collaborating with business and IT stakeholders.
- Used Lean methodologies to re-engineer processes and increase overall productivity.
- Identified patterns and communicated findings to customers to integrate business requirements.
- Maximised project ROI, performing user acceptance testing (UAT) to validate user requirements and expectation.
- Formulated and submitted monthly performance reports for strategic decision-making.
- Liaised with business and IT groups to establish short-term and long-term goals.
- Defined and informed future change, using data modelling tools and techniques.
- Monitored project status to gauge progress and meet deadlines.
- Mentored and trained junior business analysts to perform best practices and provide quality standards.
- Tested and maintained system operations to standardise workflow.
- Developed innovative methods to elevate customer satisfaction.
- Documented and traced project lifecycle to meet objectives.
- Optimised business performance, developing best practice, standards and guidance for teams.
- Minimised financial impact, formulating mitigation plans to manage and reduce risks.
- Established cordial relationships with key stakeholders to align vision and benefits.
Senior Credit Risk Manager
Indiabulls Group
Gurgaon, India
10.2006 - 06.2013
- Identified discrepancies and variances to reconcile credit files.
- Created and monitored KPIs across lifecycle for consistent development and improvement.
- Produced portfolio management reports to cover regulatory external returns.
- Evaluated financial data to measure risk exposure and recommend solutions.
- Tracked loans to gauge signs of financial distress or possible fraud.
- Employed advanced skills in data programming and data management techniques.
- Developed credit and fraud risk models and quantitative risk approaches.
- Updated credit risk policies and procedures to mitigate against developments in fraud strategies.
- Mentored team of 12 junior credit analysts to achieve KPIs.
- Modeled potential credit exposure of new and existing transactions as part of risk management.
- Delivered financial insights to technical and non-technical audiences, explaining plans of action.
- Enhanced credit risk framework to guide operational decisions for 48 members wide team.
Credit Manager (Housing Loan/Personal Loan)
Axis Bank
New Delhi, India
12.2004 - 07.2006
- Investigated and evaluated customers for credit worthiness and potential risk factors.
- Analysed financial statements to identify client viability and risk.
- Prepared documentation on loan repayment feasibility.
- Conducted research into references for reliable approval outcomes.
- Built positive relationships with lenders to achieve optimal client deals.
- Reviewed and submitted applications to management with recommendations.
- Evaluated client credit check outcomes to provide complete financial advice.
- Progressed legal action for overdue accounts.
- Met with applicants to collect information about personal histories, current loans and income.
- Updated client records with successful credit and loan applications.
- Monitored accounts for signs of fraud and non-payment issues for swift resolution.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Optimised credit approval and collection processes, improving operational efficiencies by over 98%.
- Performed detailed background analyses on customers and lending to assist in formulating 95% recovery strategies.
- Utilised deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Worked cross-functionally with sales, management and other departments to maintain effective operations.
Loan Processing Operations Expert
Citibank
New Delhi, India
05.2000 - 06.2004
- Recommended credit rating procedures resulting in increased risk analysis accuracy.
- Streamlined workflows by improving system knowledge, improving processing times.
- Analysed customer history and financial reports to assess risk and creditworthiness.
- Assessed and tracked team and personal KPIs and strived to meet set targets.
- Oversaw and coordinated application process of loan closings from enquiry to completion.
- Reviewed and approved credit trading terms on customer contracts.
- Provided customised credit solutions for families and small business owners, leading to increase in loan portfolios.
- Controlled credit risk by analysing portfolio and identifying potential issues impacting client security.
- Educated clients on loan products available to facilitate decision-making, describing complex terms in easy-to-understand language.
- Optimised customer service communication by maintaining accurate applicant records in company CRM.
- Acted as point of contact for all matters relating to collections and credit management.
- Highlighted problematic accounts to management via regular updating.
Education
Postgraduate Degree - Data Science and Business Analytics
The University of Texas At Austin
Austin-Texas 06.2022 - 06.2023
Master of Business Administration - Marketing & International Business
Symbiosis Institute of Management Studies
Pune, Maharashtra 07.1996 - 07.1998
Diploma - Financial Services & Merchant Banking
Delhi Productivity Council
Delhil 01.1995 - 03.1995
Skills
- Business administration
- Sales data analysis
- Business systems analysis
- Data mining
- Operations analysis
- Cost-benefit analysis
- Employee management
- Business analysis
- Tableau
- SQL proficiency
- Process mapping
- Data analysis
- Multi-tasking
- SQL and databases
- Workflow analysis
- Forecasting and planning
Languages
English
Advanced
Timeline
Postgraduate Degree - Data Science and Business Analytics
The University of Texas At Austin
06.2022 - 06.2023
Senior Business Analyst
One IP Networks
01.2013 - Current
Senior Credit Risk Manager
Indiabulls Group
10.2006 - 06.2013
Credit Manager (Housing Loan/Personal Loan)
Axis Bank
12.2004 - 07.2006
Loan Processing Operations Expert
Citibank
05.2000 - 06.2004
Master of Business Administration - Marketing & International Business
Symbiosis Institute of Management Studies
07.1996 - 07.1998
Diploma - Financial Services & Merchant Banking
Delhi Productivity Council
01.1995 - 03.1995
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