Tanushree Roy
Credit Risk Analyst or Risk Data Analyst
About
Data and Credit Risk professional with experience across retail banking, quality operations and financial services. Skilled in credit assessment, loan portfolio monitoring, delinquency analysis, customer risk evaluation, data validation, quality controls and MIS reporting. Working knowledge of retail lending, DPD and NPA tracking, repayment behaviour, credit exposure and operational risk. Adept at transforming banking and operational data into structured reports and actionable insights that support risk monitoring, portfolio quality and business decision-making. Seeking to apply this cross-functional foundation in a Credit Risk Analyst or Risk Data Analyst role.
Skills & Expertise (27)
Work Experience
Customer Support Associate
Firstsource Solutions
Jan 2024 - Jan 2026
Managed customer account and service cases within a banking and financial services support process, reviewing account information, transaction history and supporting documentation to ensure accurate resolution and policy compliance. Analyzed recurring customer issues, payment-related queries and service exceptions using SQL queries and Excel to identify operational trends and potential risk or compliance indicators for escalation. Reviewed customer and account documentation, including KYC-related information, to validate accuracy and ensure adherence to defined operational and compliance procedures. Maintained accurate case documentation and performed data validation checks on customer and account records to support process integrity. Built and maintained Power BI dashboards and SQL-based MIS reports on case volumes, resolution rates, SLA and TAT adherence, escalations, repeat contacts and key issue categories. Investigated root causes of repeat customer complaints and process exceptions using Excel and SQL-driven analysis, contributing to corrective action and process improvement discussions. Coordinated with internal operations, compliance and escalation teams to resolve complex or higher-risk customer cases within defined SLAs.
Quality Specialist
Amazon
Jan 2022 - Jan 2023
Conducted quality audits on operational cases and transactions to identify process deviations, data quality issues and policy exceptions. Analyzed quality defects, recurring errors and operational trends using SQL and Python-based data pulls to perform root cause analysis and recommend corrective actions. Prepared periodic quality MIS and Power BI dashboards covering accuracy rates, defect trends, SLA and TAT adherence and process compliance indicators, supported by SAS and Excel-based reporting. Validated case-level and transaction-level data against defined SOPs to ensure consistency, accuracy and audit readiness. Tracked quality and productivity metrics on Power BI dashboards to support performance reviews and process governance. Collaborated with operations and quality teams to strengthen process controls, reduce recurring errors and maintain SOP adherence.
Assistant Manager
Bandhan Bank
Jan 2019 - Jan 2020
Supported credit assessment for retail lending customers by reviewing income, repayment capacity, credit bureau information, existing obligations and KYC documentation to determine credit eligibility. Reviewed loan applications and supporting documentation as part of underwriting support, ensuring completeness and adherence to credit policy prior to sanction. Performed FOIR/DTI-based repayment capacity checks using Excel and SQL-based calculations to support credit eligibility and sanction decisions. Monitored loan portfolio performance using repayment behaviour, overdue status, DPD buckets and delinquency trends to identify potentially high-risk accounts. Tracked overdue and delinquent accounts, supporting timely follow-up and collection coordination to manage early-stage NPA risk. Prepared periodic branch-level Credit Risk MIS and Power BI dashboards covering loan applications, approvals, disbursements, outstanding balances, overdue accounts and collection performance, using SQL and SAS for data extraction and analysis. Performed customer-level and portfolio-level analysis to identify early warning indicators and flag accounts for proactive risk follow-up. Ensured adherence to credit policy, KYC norms and internal risk and compliance controls throughout the loan sanction and disbursement lifecycle.
Education
Master of Business Administration (MBA) - Assam University
- 2019 · Afghanistan
Certifications
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Skills (27)
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