Chandan Nayak

Data Analyst

Bengaluru, India 1+ yrs exp 82 · Excellent

About

Results-driven Data Analyst with 1 year of experience in Credit Risk Analytics and Portfolio Performance Monitoring for Credit Card portfolios. Proficient in SQL, Python, Power BI and Advanced Excel for data extraction, reporting automation and portfolio analytics. Skilled in analyzing key credit risk metrics such as Delinquency (DPD), Roll Rate, Vintage Analysis, Months-on-Book and Credit Utilization to support underwriting and risk strategy decisions. Adept in customer segmentation, data validation and portfolio monitoring, turning complex data into actionable insights that improve portfolio performance. Currently building knowledge in Machine Learning concepts and expanding skills in SAS and Alteryx for future application in data automation and analytics.

Skills & Expertise (29)

Python Intermediate

7.5/10

Years Exp

Pandas Intermediate

7.5/10

Years Exp

NumPy Intermediate

7.5/10

Years Exp

Power BI Intermediate

7.5/10

Years Exp

SQL Intermediate

7.5/10

Years Exp

Advanced Excel Intermediate

7.0/10

Years Exp

Data Cleaning Intermediate

7.0/10

Years Exp

KPI & MIS Reporting Beginner

6.5/10

Years Exp

Workflow Automation Beginner

6.5/10

Years Exp

Cross-Functional Collaboration Beginner

6.5/10

Years Exp

Reporting Automation Beginner

6.5/10

Years Exp

Data Quality Management Beginner

6.5/10

Years Exp

Data Validation & Reconciliation Beginner

6.5/10

Years Exp

SQL Query Optimization Beginner

6.5/10

Years Exp

Dashboard Development Beginner

6.5/10

Years Exp

Customer Segmentation Beginner

6.5/10

Years Exp

Cohort Analysis Beginner

6.5/10

Years Exp

Vintage Analysis Beginner

6.5/10

Years Exp

Roll Rate Analysis Beginner

6.5/10

Years Exp

Delinquency Analysis Beginner

6.5/10

Years Exp

Credit Risk Analytics Beginner

6.5/10

Years Exp

Data Governance Beginner

6.5/10

Years Exp

SAS Beginner

5.5/10

Years Exp

Alteryx Beginner

5.5/10

Years Exp

Machine Learning Beginner

5.5/10

Years Exp

Linear Regression Beginner

5.5/10

Years Exp

Logistic Regression Beginner

5.5/10

Years Exp

Decision Trees Beginner

5.5/10

Years Exp

Random Forest Beginner

5.5/10

Years Exp

Work Experience

Data Analyst

Towne Bank

Sep 2025 - Sep 2026

Extracted and consolidated daily credit card portfolio data from multiple banking systems using SQL, ensuring timely and accurate data for risk reporting. Optimized SQL queries and ETL workflows, reducing data processing time by 40% and improving recurring reporting efficiency. Prepared daily, weekly and monthly MIS reports using SQL and Excel, covering portfolio growth, delinquency, credit utilization, charge-offs and roll rates for Risk and Business stakeholders. Monitored delinquency across 30+, 60+, 90+ and 120+ DPD buckets, tracking bucket movement to highlight emerging portfolio risks. Performed data validation and reconciliation using SQL and Excel, resolving discrepancies and maintaining 99%+ reporting accuracy. Conducted Vintage Analysis, MOB and FPD analysis using SQL and Python (pandas, NumPy) to evaluate underwriting quality on newly booked accounts. Analyzed customer behavior including utilization, payment patterns, over-limit accounts and Early Warning Indicators (EWI) using Python (pandas, NumPy) to flag rising credit risk. Built and maintained Power BI dashboards for portfolio performance, delinquency trends and KPIs, enabling self-service reporting for business users. Supported ad hoc requests from Risk, Underwriting, Collections and Product teams through portfolio deep-dives and customer segmentation using SQL and Excel. Leveraged Python (pandas, NumPy) and Excel to automate reporting and generate portfolio insights, cutting manual reporting effort by 50%.