Anurag Marmat

Data Analyst

Indore, India 3+ yrs exp 87 · Excellent

About

Results-driven Data Analyst with 3.2 years of experience, including 2+ years in Banking Credit Risk Analytics (Personal Loan Portfolio) and 1 year in Retail Marketing Analytics. Proficient in SQL, Python, Alteryx, Excel, Power BI and Tableau for data analysis, ETL automation, dashboard development and MIS reporting. Experienced in portfolio monitoring, delinquency analysis, vintage analysis, roll rate analysis, risk segmentation, EDA, underwriting analytics, KPI reporting, customer segmentation, RFM, CLV and campaign performance analysis. Proven ability to analyze large datasets, automate reporting processes and deliver data-driven insights that support credit risk management, marketing optimization and strategic business decision-making.

Skills & Expertise (26)

SQL Server Advanced

8.0/10

3.2

Years Exp

Tableau Advanced

7.5/10

3.2

Years Exp

Data Preparation Advanced

7.5/10

3.2

Years Exp

Visualization Advanced

7.5/10

3.2

Years Exp

Pivot Table Intermediate

7.0/10

3.2

Years Exp

Data Cleaning Intermediate

7.0/10

3.2

Years Exp

Workflow Automation Intermediate

7.0/10

3.2

Years Exp

Power Query Intermediate

7.0/10

3.2

Years Exp

Data Transformation Intermediate

7.0/10

3.2

Years Exp

Pandas Intermediate

7.0/10

3.2

Years Exp

DAX Intermediate

7.0/10

3.2

Years Exp

Data Processing Intermediate

7.0/10

3.2

Years Exp

KPI Visualization Intermediate

7.0/10

3.2

Years Exp

Data Validation Intermediate

7.0/10

3.2

Years Exp

Alteryx Intermediate

7.0/10

3.2

Years Exp

Python Intermediate

7.0/10

3.2

Years Exp

Roll Rate Analysis Intermediate

6.5/10

3.2

Years Exp

Data Structure Intermediate

6.5/10

3.2

Years Exp

NumPy Intermediate

6.5/10

3.2

Years Exp

Trend Analysis Intermediate

6.5/10

3.2

Years Exp

API Integration Intermediate

6.0/10

3.2

Years Exp

Vintage Analysis Intermediate

6.0/10

3.2

Years Exp

Reconciliation Intermediate

6.0/10

3.2

Years Exp

Basic Statistics Intermediate

6.0/10

3.2

Years Exp

PowerBI Adv Excel

Work Experience

Data Analyst (RFM Analysis)

Retail Marketing

Jul 2024 - Present

Developed an RFM (Recency, Frequency, Monetary) model using SQL to segment Champion, Loyal Customer, At-Risk, and New Customers for targeted campaigns. Used SQL and Alteryx for transaction data preparation, RFM scoring, and analysis of CLV, AOV, retention, and repeat purchase rate. Supported Tableau reporting by analyzing customer behavior and campaign performance, providing actionable business insights. Performed data validation and quality checks to ensure accurate customer segmentation and reporting.

Data Analyst (Personal Loan Portfolio)

Citizens Bank

May 2023 - Jun 2024

Extracted and transformed loan portfolio data using SQL Server to support credit risk analysis, portfolio monitoring and business reporting, reducing report generation time by 35%. Performed source-to-target reconciliation, ETL validation and data quality checks to ensure accuracy and completeness of customer, bureau, application and loan datasets, improving data accuracy by 30%. Developed interactive Power BI dashboards to monitor loan origination, portfolio performance, approval rates, delinquency trends and key business KPIs, reducing manual reporting effort by 45%. Automated data cleaning, transformation and preparation workflows using Power Query, while creating DAX measures and calculated columns to support accurate KPI calculations and business reporting. Monitored portfolio KPIs including application volume, approval rate, booking rate, delinquency, roll rate, cure rate, GLPA, BLPA and credit exposure, enabling proactive identification of portfolio risks. Performed root cause analysis on data mismatches, ETL failures, reporting discrepancies and snapshot timing issues, reducing recurring data incidents by 25%. Collaborated with Risk, Underwriting, Product, Data Engineering and Business teams to resolve data quality issues, streamline reporting processes and improve operational efficiency by 20%. Managed BAU reporting, ad hoc analytical requests and executive presentations by delivering timely insights to support underwriting decisions and portfolio performance reviews. Automated recurring validation and reporting activities using SQL, Excel and Power BI, improving reporting efficiency and enabling faster business decision-making. Collaborated with business stakeholders to gather reporting requirements, translate business needs into analytical solutions, and support UAT to ensure accurate dashboard and report delivery.