shashank GUNJALE

Aspiring Data Analyst

Bangalore, Karnataka, India 3+ yrs exp 88 · Excellent

About

Aspiring Data Analyst with experience in the fintech domain, transitioning from Business Operations to Data Analytics. Strong foundation in user onboarding, KYC processes, and e-NACH operations, combined with hands-on experience in data analysis, dashboarding, and financial metrics tracking. Skilled in deriving actionable insights from loan portfolios, repayment behavior, and customer segments to support business decision-making and improve operational efficiency.

Skills & Expertise (12)

SQL Intermediate

7.5/10

Years Exp

Python Intermediate

7.1/10

Years Exp

Microsoft Power BI Intermediate

6.9/10

Years Exp

Star Schema Snowflake Schema MS SQL Server Financial Analysis Loan Portfolio Analysis KPI Tracking Compliance Process Optimization issue resolution

Work Experience

Data Analyst

Refyne India Pvt Ltd

Mar 2025 - Present

Conducted Salary Top-Up (STU) analysis, identifying trends in first-time vs repeat users and categorizing borrowers into loan top-up and non-loan top-up segments. Analysed month-on-month disbursal trends, calculating gross and net disbursals to derive actionable insights. Identified the impact of loan tenure and interest rates on borrowing patterns and repayment behaviour. Built financial performance dashboards tracking EMI-level metrics such as paid, PTP (Promise to Pay), and unpaid amounts along with profitability (in lakhs). Performed loan portfolio analytics, segmenting active vs inactive borrowers and tracking repayment rates. Calculated and analysed equated processing fees across salary top-up products. Developed employer-level portfolio dashboards, including monthly disbursed STU amounts and averages, borrowing frequency trends, repayment percentages and active loan ratios. Enabled stakeholders to monitor portfolio health and financial performance through data-driven dashboards.

Business operations executive

Refyne India Pvt Ltd

Mar 2023 - Feb 2025

Assisted users in completing e-NACH registration, ensuring compliance and accuracy. Guided customers through Video KYC (vKYC) processes, improving completion rates. Managed end-to-end user onboarding and KYC lifecycle. Coordinated with internal teams to resolve onboarding and compliance-related issues. Ensured adherence to regulatory and KYC guidelines while maintaining smooth user experience.