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Skills & Expertise (23)
Work Experience
Data Analyst 1
Kissht
Jun 2025 - Present
Drove ~98% Bx collection efficiency by building scalable, data-driven collection strategies using customer segmentation, delinquency modeling (DPD bucketing), and exploratory data analysis (EDA) on large loan portfolios. Designed and deployed a FOS payout data pipeline using SQL and Python (Pandas, NumPy), implementing data validation frameworks and fraud detection systems, improving payout accuracy and reducing manual effort. Owned end-to-end collection funnel analytics (Fresh → Dunning → LRN → Case Filing → PCN → Summons → Warrant), leveraging SQL, cohort analysis, and conversion tracking to identify drop-offs and optimize multi-channel campaigns (SMS, WhatsApp, IVR, push). Built performance monitoring systems with automated low-performance detection (fire list) using data modeling and anomaly detection, improving operational efficiency and driving higher loan disbursements. Optimized cost-to-collection ratio (CIR <24%) as a core KPI through ROI analysis, channel attribution, and A/B testing, and developed real-time dashboards using Tableau and Snowflake to enable faster, data-driven decision-making.
Graduate Engineer Trainee
AGS Transact Technologies Ltd.
Nov 2023 - Mar 2025
Built NPCI CVV calculations incorporating advanced encryption and decryption techniques in Java, significantly strengthening security protocols and reducing fraud incidents by 15%. Engineered and implemented a NPCI BIN processing system using Java, streamlining operations, cutting manual processing time by 40%, and improving accuracy by 25%.
Backend Java Intern
Rumango Software & Consulting Services
May 2023 - Aug 2023
Developed backend solutions with Java, Spring Boot, and Microservices, reducing system downtime by 30% and boosting overall performance. Implemented microservices to invoke Python APIs, enhancing efficiency by 25% and improving system integration and data access speed.
Backend Java Intern
Wizork
Nov 2022 - Apr 2023
Completed 4-month training in Java, Spring Boot, and Hibernate, ranking in the top 10% and demonstrating expertise in designing RESTful APIs to enhance system efficiency. Improved communication efficiency by 20% and reduced downtime by 15% through collaboration and solving complex technical challenges with the development team.
Education
Bachelor of Technology (B.Tech) in Computer Science - Medicaps University
2018 - 2022 · Afghanistan
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