RISHIKESH RAJ

Finance-focused Data Analyst
Gurugram, IN.

About

Highly analytical Finance-focused Data Analyst with over a year of experience specializing in portfolio analytics, MIS reporting, and compliance tracking within the banking sector. Expertly transforms complex financial data into actionable business insights using Advanced Excel (VBA, Macros), Power BI, and Python (Pandas, Numpy, Matplotlib). Proven ability to automate reporting, streamline processes, and develop impactful dashboards that drive strategic decision-making and enhance operational efficiency for credit and operations teams.

Work

IndusInd Bank
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Portfolio Analyst

Gurugram, Haryana, India

Summary

As a Portfolio Analyst at IndusInd Bank, Rishikesh Raj manages nationwide deferral tracking, penal charge reporting, and audit support, transforming raw financial data into actionable business insights.

Highlights

Developed and deployed weekly and monthly MIS and deferral reports, providing critical insights into overdue loan trends and overall portfolio risk for enhanced financial oversight.

Automated key reporting processes, including UVR, stock statements, and compliance reports, leveraging Excel dashboards and Power BI to significantly improve data accuracy and reporting efficiency.

Spearheaded the coordination of penal charge data collection and follow-ups, directly contributing to the recovery of over ₹26.9 lakh and strengthening financial compliance.

Collaborated cross-functionally with credit, sales, and product teams to ensure the timely submission of UFCE certificates and external ratings, optimizing compliance workflows.

Managed and ensured the timely closure of audit pendencies across diverse financial lines, including insurance, valuation, and ABS, maintaining robust compliance standards.

Concentrix Daksh Services India Pvt. Ltd.
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Operations Representative

Gurugram, Haryana, India

Summary

As an Operations Representative at Concentrix Daksh Services India Pvt. Ltd., Rishikesh Raj processed medical and pharmacy claims, optimized reporting, and resolved discrepancies to ensure compliance and efficiency.

Highlights

Processed a high volume of medical and pharmacy claims with meticulous accuracy, ensuring strict adherence to documentation compliance and regulatory standards.

Automated daily reporting procedures using advanced Excel templates, which boosted task efficiency by 25% and streamlined operational workflows.

Developed and generated operational reports to monitor Turnaround Time (TAT), leading to a 30% improvement in claims resolution rates.

Effectively liaised with medical and insurance representatives to swiftly resolve discrepancies, ensuring the integrity and accuracy of critical patient records.

Education

Delhi Technological University
Delhi, Delhi, India

Master of Science

Applied Physics

University of Delhi
Delhi, Delhi, India

Bachelor of Science (Hons.)

Physics

Languages

English
Hindi

Certificates

Python for Data Analytics - Real World Projects

Issued By

Udemy

Data Analyst Bootcamp

Issued By

Udemy

Microsoft Excel - Beginner to Advanced

Issued By

Udemy

Complete Python Bootcamp

Issued By

Udemy

Crash Course in Python

Issued By

Coursera

Using Python to Interact with the OS

Issued By

Coursera

Python 101 for Data Science

Issued By

Coursera

Skills

Data Analysis & Visualization

Advanced Excel (PivotTables, VBA, Macros), Power BI (Dashboard Creation, DAX, Visualizations), Python (Pandas, Numpy, Matplotlib), Data Automation, Data Storytelling, MIS Reporting, Trend Analysis, Segmentation Analysis.

Financial & Compliance

Portfolio Monitoring, Penal Charge Management, Compliance Reporting, Audit Coordination, Financial Data Transformation, Risk Management, Loan Health Analysis.

Problem Solving & Strategy

Analytical Thinking, Problem Solving, Strategic Insights, Decision Support, Process Improvement.

Collaboration & Communication

Communication, Collaboration, Attention to Detail, Stakeholder Management.

Projects

Portfolio Performance Dashboard

Summary

Developed a comprehensive Power BI dashboard to provide real-time visualization of critical portfolio health metrics.

Credit Risk Insights (Python)

Summary

Conducted in-depth credit risk analysis using Python to identify and visualize key deferral patterns and risk triggers.

Covid Impact Analysis

Summary

Performed a comparative analysis of loan behavior before and after the COVID-19 pandemic using advanced analytical tools.

Netflix & Udemy Data Analytics

Summary

Executed segmentation analysis on Netflix and Udemy datasets to derive strategic insights into user behavior and preferences.