Chinmaya Jena

As a Banking Data Analyst at Molars Technologies Pvt. Ltd., I work closely with large-scale banking datasets, focusing on credit risk and loan portfolio analytics. I am responsible for monitoring portfolio quality, analyzing delinquency and default trends, and ensuring data accuracy across MIS reports and dashboards. I extract, validate, and consolidate data from multiple loan origination and repayment systems using SQL, SAS, and Python, enabling precise portfolio insights and actionable risk monitoring. By conducting thorough data validation, reconciliation, and trend analysis, I ensure that our reports and dashboards provide reliable information for decision-making. My work involves credit risk assessment and customer segmentation, identifying high-risk accounts and supporting early warning frameworks. I develop MIS reports and Power BI dashboards to provide timely visibility into portfolio KPIs, delinquency movement, and risk indicators. Additionally, I have applied basic machine learning models, including logistic regression and decision trees, to enhance risk classification and predictive insights. I collaborate closely with risk and business stakeholders, translating analytical findings into actionable strategies to mitigate portfolio risks and optimize credit decision-making. Through these responsibilities, I contribute to improving data quality, supporting data-driven risk management, and enabling informed decisions that enhance portfolio performance.