Akash Kumar Bhuyan

Utilized SQL and Python to access and integrate data from multiple sources, including daily loan applications and customer bureau information.
Employed Pandas for data manipulation and analysis to support the development of data models and deliver analytical insights on risk segmentation for credit departments across segments like investment firms, commercial and investment banks, credit card lenders, credit rating agencies, and other financial institutions.
Analysed portfolio performance at a detailed segment level using Python and Tableau.
Identified trends and conducted root-cause analysis to isolate key performance drivers.
Presented findings and strategic recommendations to Group Risk Management, enhancing decision-making processes.
Generated Management Information System (MIS) reports on portfolio performance using SQL and Tableau, focusing on default versus non-default accounts and account movements across delinquency buckets.
Developed strategic reports on loan portfolio balance control ratios to align with collection strategies and capacity planning.
Created and maintained portfolio monitoring reports using Tableau, categorizing customer credit performance into default and non-default groups.
Segmented customers based on risk associations and tracked their performance for targeted improvement initiatives.
Designed and implemented collection strategies and capacity planning using data analysis tools such as SQL and Pandas to enhance channel optimization.
Improved operational efficiency in collection pay rates and recovery rates.
Translated business goals into actionable Key Performance Indicators (KPIs) to align all stakeholders with business goals.
Spearheaded the development of a risk management dashboard using Tableau to monitor the performance of automated credit decisions and new strategies.
Enhanced communication and collaboration between the Risk Management and Marketing departments, facilitating better alignment and strategic implementation.
Developed strategies for managing delinquent accounts by analysing cured, improved, and unresolved rates with Python.
Identified opportunities to transition delinquent accounts to cured status through multi-collinearity checks, integrating internal and external data sources to refine approach and improve outcomes.

Responsible for helping companies analyze and interpret data related to management efforts.
Used various tools and techniques to identify trends and patterns in the data.
Presented findings and recommendations to business and stakeholders.
Performed cost and time management by analyzing the time schedule of execution, drawing approval, and procurements of material.
Managed raw material procurement to execution of work.
Developed insights and provided to EPC regarding where and when they need to supply material to maintain warehouse and accomplish the project in time.
Studied the market using PESTLE Analysis to identify scope of diversification of business to maximize profit with existing resources.
Analyzed the tendering pattern of competitors and margin of cost with respect to project cost to develop the financial tender of WAPCOS.