Sandeep Panda
Data Analyst
About
Data Analyst with 3+ years of experience in Banking, Credit Risk, Fraud Analytics, Portfolio Reporting, MIS, and Business Intelligence. Skilled in Credit Card Fraud Detection, Transaction Monitoring, Delinquency Analysis, DPD 30/60/90+, PAR, Roll Rate, Cure Rate, Utilisation, Chargeback Reporting, KPI Tracking, and Stakeholder Management. Hands-on expertise in SQL, SAS, Python, Tableau, Power BI, Power Automate, Power Query, SmartSheet, Alteryx, Excel, and Google Sheets for data analysis, automation, dashboard development, reporting, validation, and reconciliation. Proven ability to work with large datasets, automate processes, identify trends, and deliver accurate insights to Risk, Fraud, Operations, Finance, and Business teams.
Skills & Expertise (20)
Work Experience
Data Analyst
Standard Bank Group
Jun 2023 - Present
Worked on credit card fraud monitoring and risk analytics using SQL, Excel/Sheets, and Python to detect suspicious transactions and reduce fraud losses. Analyzed transaction data to identify fraud patterns such as Card Not Present (CNP) fraud, duplicate swipes, unusual ticket size, velocity breaches, geo-location mismatch, and midnight transaction spikes. Wrote SQL queries to extract daily transaction data, declined authorizations, chargeback records, blocked cards, and fraud case volumes for reporting. Used Python (Pandas, NumPy) for fraud trend analysis, alert data cleansing, rule performance tracking, and exception reporting. Prepared daily and weekly fraud MIS dashboards covering Fraud Rate, Fraud Loss Amount, Chargeback Volume, Alert Conversion Rate, False Positives, and Blocked Card Count. Supported fraud operations teams in reviewing alerts and escalating high-risk transactions for immediate action such as card block / hold. Performed reconciliation between transaction systems, fraud tools, and reporting outputs to ensure accurate fraud numbers. Assisted in tuning fraud rules by analyzing hit rates, duplicate alerts, missed fraud cases, and operational efficiency metrics. Worked closely with Risk, Operations, and Customer Service teams to resolve fraud cases and improve fraud prevention controls.
Data Analyst
Standard Bank Group
Aug 2014 - Oct 2018
Worked on credit card fraud monitoring and risk analytics using SQL, Excel/Sheets, and Python to detect suspicious transactions and reduce fraud losses. Analyzed transaction data to identify fraud patterns such as Card Not Present (CNP) fraud, duplicate swipes, unusual ticket size, velocity breaches, geo-location mismatch, and midnight transaction spikes. Wrote SQL queries to extract daily transaction data, declined authorizations, chargeback records, blocked cards, and fraud case volumes for reporting. Used Python (Pandas, NumPy) for fraud trend analysis, alert data cleansing, rule performance tracking, and exception reporting. Prepared daily and weekly fraud MIS dashboards covering Fraud Rate, Fraud Loss Amount, Chargeback Volume, Alert Conversion Rate, False Positives, and Blocked Card Count. Supported fraud operations teams in reviewing alerts and escalating high-risk transactions for immediate action such as card block / hold. Performed reconciliation between transaction systems, fraud tools, and reporting outputs to ensure accurate fraud numbers. Assisted in tuning fraud rules by analyzing hit rates, duplicate alerts, missed fraud cases, and operational efficiency metrics. Worked closely with Risk, Operations, and Customer Service teams to resolve fraud cases and improve fraud prevention controls.
Education
Bachelor's of Technology - GIACR Engineering College, Rayagada
- · Afghanistan
Certifications
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Skills (20)
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