Kausika Karana
Dubai
Summary
Results-driven Senior Risk Analyst with over 5 years of experience in banking credit risk analytics. Expertise in data analytics and database management, focusing on profitability optimisation. Strong capabilities in advanced analytics and data visualisation to deliver actionable insights. Skilled in DBMS programming, Excel, SQL, SAS, PowerPoint, and Power BI for effective reporting and analysis.
Overview
6
6
years of professional experience
Work History
Corporate Consultant
Ahli United Bank
Seef
02.2025 - 09.2025
- Created and published the CBG Activity Report covering strategic financial KPIs, including Gross Financing Position, Net Profit After Tax (NPAT), Operating Income, Deposit Status, Performance Dashboards, and Financial Health of the Bank and its subsidiaries.
- Compiled and delivered quarterly performance overviews and monitored CBG Deal Pipeline, offering management insights on growth opportunities and emerging business trends.
- Developed and maintained CBG Asset and Liability Movement Report, detailing financing summary and deposit trends to support informed decision-making.
- Delivered Regulatory Reports, Group-wide submissions, and ad hoc analyses, ensuring compliance with financial regulations and supporting internal audit and governance activities.
- Designed Management Information System (MIS) reports focused on past dues and excesses, ensuring timely data-driven insights.
- Collaborated with cross-functional teams to align business reporting needs with strategic corporate objectives, enhancing overall reporting effectiveness.
- Actively participated in data cleansing, transformation to support ongoing enhancements in reporting accuracy and performance analysis.
- Worked at a leading bank in the Bahrain region, contributing to various financial operations.
Corporate Consultant
OneSavings Bank
Bangalore
09.2019 - 05.2024
- Analyzed Historical trend of different portfolios such as Buy-To-Let, Residential and Semi-Commercial on monthly basis.
- Prepared periodic performance MIS reports detailing active customer base, total book balances, and delinquency counts for each month in arrears across portfolios.
- Assisted model development team with PD estimation for IFRS9 ECL model which includes analysing quarterly default rates and Macroeconomic variables using Linear regression and correlation analysis.
- Created Roll Rate Analysis, Gross Roll Rates, True Roll Rates MIS Report which talks about the number of accounts or exposure rolling forward and rolling backward.
- Developed Application MI report that gives us the insight of total new originated applications and their respective Current status over the months.
- Prepared periodic performance MIS reporting for each portfolio based on Current Status (Approved, Work In Progress, Declined).
- Created visualization using Excel and PowerPoint for the Applications based on Bureau Score(AAM & CII) and Application score.
- Streamlines excel base reporting to advanced data visualization applications Excel into more insightful and storytelling KPI dashboards. Overall business impact 30%-man hours reduced.
- Analyzed the status of Run past maturity accounts of the portfolio to obtain the valuable information of non matured accounts and matured accounts.
- Calculated the count and balance of run past matured accounts on monthly basis, Analyzing the existing and to be matured accounts status, on quarterly and monthly basis.
- Executed data integration, cleansing, and manipulation for credit risk analytics reporting, identifying risks associated with customer journeys from account origination to performance using SQL and SAS.
- Prepare, review, and Analyze creditworthiness of personal and commercial loan originations and renewals. Underwrite accounts based on business revenues and transactional data.
- Track compliance of loan agreements is met and work with stakeholders to resolve possible violations.
- Prepare loan presentations for credit approvals and work alongside senior management to protect capital.
- Prepare periodic performance for each portfolio level number of active customer base and their balances, Risk weighted assets, Delinquency by (#) and ($) group by (0-29,30-59,60-90,90+, CO), new origination and new balance, average loan per account from history to current, roll rate analysis for current to x and x+2, prepare good vs bad rate customer.
- Make vintage analysis and prepare each delinquent account performance form current to x+1 to x+2 and so on. Develop portfolio level insights to be analysis and presented in Retail dashboard.
- Design collection strategy based on propensity of customers to make timely payments and build a delinquency-based collection strategy focus more on higher risk customers while giving lower risk customers the benefit of time, resulting in higher collections with a better customer experience.
- Develop and implement credit origination strategies, credit limit management and other account management credit strategies, customer relationship management, account profitability, monitoring and tracking of results.
- Prepare exception analysis report - exceptionally approved application and tracking performance over the period.
- Contributed to operations at a leading bank in the European region.
Education
BTech - Electrical Engineering
GITA Bhubaneswar
01-2016
12th Science -
HSE Odisha
01-2012
10th -
Angul High School
Odisha01-2010
Skills
- SAS
- Base SAS
- SAS EG
- SQL
- Microsoft SQL Server
- Credit Risk - IFRS9 (ECL Provisioning)
- Power BI
- Data visualisation
- Reporting
- Excel
- PowerPoint
Languages
English
Hindi
Timeline
Corporate Consultant
Ahli United Bank
02.2025 - 09.2025
Corporate Consultant
OneSavings Bank
09.2019 - 05.2024
BTech - Electrical Engineering
GITA Bhubaneswar
12th Science -
HSE Odisha
10th -
Angul High School