SUMMARY:

• Over 6 years of experience in Data analysis, Data Science, Predictive modeling, Machine learning, Credit Risk Management, Statistical analysis with R, Python and SAS programming.
• Certified SAS professional with extensive experience in SAS, R, Python, SQL different platforms - Windows and UNIX, also having worked in analysis, design, development, testing, and implementation of Business Analytics projects using SAS, R and Python.
• Strong understanding of financial valuation concepts and various capital market instruments and processes including Equities, Fixed Income, Foreign Exchange, Derivative (OTC) & Back-Office operations and a experience in Black Rock Alladin, Bloomberg, Reuters.
• Well versed with Investment banking (Equity trading, Future's market, Forex market), Commercial Banking and Retail banking (Mortgage, Student loans, Credit and Debit cards).
• Proficient in Anti Money Laundering (AML), Bank Secrecy Act (BSA), Comprehensive Capital Analysis and Review (CCAR), AML-KYC, BASEL II and III, and Dodd-Frank Act. In-depth knowledge of NICE Actimize Suite.
• Good understanding of CCAR/ DFAST stress testing concepts in retail banking including probability of default (PD), exposure at default (EAD), loss given default (LGD), expected loss (EL), and risk weighted assets (RWA).
• Expert in data mining, exploratory data analysis and Machine Learning (Supervised and Unsupervised) algorithms, K means clustering, Random forests, Decision tree, SVM, PCA, Time-series, Regression and Clustering.
• Experienced in performing various business analyses like Market analysis, Customer behavior analysis.
• Analyzed data sets on Excel using Pivot Tables, Pivot Charts, Macros, Vlookup, and understanding of VBA Macros.
• Expertise in writing T-SQL Queries, Dynamic-queries, sub-queries and complex joins.
• Skilled in providing analytic support including data importing, data wrangling and data visualization.
• Experienced in Data analysis and Reporting in finance and marketing sectors. SAS experience includes detailed knowledge of statistical analysis of financial and marketing data and in the production of reports, tables, graphs and listing.
• Well-versed in R Programming using several CRAN packages and data visualization.
• Strong practical experience in Python programming including the statistical libraries such as: Numpy, Scipy, Pandas, Matplotlib, Sklearn and Seaborn.
• Experience in data visualization, ad-hoc reporting and building and publishing insight generating dashboards with ggplot, Tableau, etc.
• Extensive experience using PYTHON & R packages like dplyr, tidyr, ggmap, caret, forecast, SnowballC, wordcloud, corrplot, rpart, reshape2, ggplot2, tm, Scikit-Learn, StatsModels and MatPlotLib.
• Excellent knowledge in creating Databases, Tables, Stored Procedure, DDL/DML Triggers, Views, User defined data types, effective functions, Cursors and Indexes.
• Experience in designing stunning visualizations using Tableau software and publishing and presenting dashboards on web and desktop platforms.
• Familiar with fundamentals of Hadoop Architecture, HDFS Framework and components of its ecosystem like Map Reduce and HIVE.
• Proficient in SAS 9.2/9.3 - Base, Advanced, Macro, SAS(BI) platform with Enterprise Guide on different platforms like UNIX and Windows.
• Professional in developing programs for Data Requirement Analysis and Data Mapping for ETL (Extract, Transform, Loading) process. Experience in pulling data from data-ware houses (Teradata, Oracle, DB2, and SQL Server) and Master Data Management (MDM).
• Adept at qualitative and quantitative research, manipulating various tables, generating custom reports, thinking creatively and traversing big picture concepts.
• Worked closely with management like Marketing managers, Product Managers, Financial managers etc., to analyze customer related data, generate custom reports, tables, and graphs.
• Command in importing and exporting complex internal data to and from Microsoft Excel and Microsoft Access using PROC IMPORT and PROC EXPORT.
• Thorough experience in data extraction from various databases like Oracle, MS-Access. Ability to analyze & process data using procedures such as PROC SORT, PROC REPORT, PROC CHART, PROC MEANS, PROC SUMMARY, PROC FREQ, PROC UNIVARIATE, PROC TABULATE, PROC COMPARE.
• Experienced inUNIX KornShell scripting for automation of processes.
• Outstanding communication skills, effective time management and impeccable work ethic. Proactive And self-motivated individual with good analytical skills. Ability to work efficiently as an individual and as part of a team.
• Extremely energetic, detail oriented, organized team player with strong analytical abilities, communication skills, interpersonal skills, and problem-solving skills.
• Highly persistent and motivated with willingness to assume responsibility.

TECHNICAL SKILLS:

Base SAS: Data Step, SAS procedures, Formats, Informants, Macros, Data Null,Reports, SAS Functions, Descriptive Statistics, SAS ODS, Arrays.

SAS Procedures: Means, Summary, Freq, Sort, Print, Append, Import, Export, Format,Tabulate, Chart, Compare, Content, SQL, Univariate.

Databases: Teradata, MS-SQL, Oracle, MS-Access and SQL Server.

Other: Tableau, Excel, Informatica, STATA, R, Python, MATLAB, Base SAS, SAS/Access, SAS/Connect, SAS/Share

PROFESSIONAL EXPERIENCE:

Confidential - Philadelphia, PA

Data Analyst/Business System Analyst

Responsibilities:

• Provide insightful analytics, strategy development and reporting by focusing on balancing fraud exposure, customer service and operational impacts.
• Review and analyze fraud trends.
• Analyze existing data to identify critical data elements, perform source to target data mapping, elicit data requirements and converted them into BRD and SRS.
• Assist in identification of duplicate plan data as well as streamline plan data setup process.
• Create Business Rules, Functional Requirements, and Non Functional Requirements and assisted in streamlining plan data setup process.
• Communicate effectively with internal and external clients.
• Leverage product and customer level data across various platforms.
• Specialize in ad-hoc analysis and reporting requests in a timely manner.
• Package and present data and analytics in an insightful and intuitive manner to peers and management.
• Develop SAS code using Macros to run recurring jobs and optimized the performance.
• Work on SAS business intelligence platform to drive the automation of standardized analytics.
• Generate SAS EG stored process with static and dynamic prompts for product specific analysis.
• Involve in writing code using BASE SAS and SAS/Macros to extract clean and validate data from oracle tables. Tested and debugged existing macros.
• Advanced querying using SAS EG, calculating computed columns using filter, prepare data for reporting, graphing, summarization, statistical analysis.
• Use SAS/STAT procedures such as UNIVARIATE, FREQ, and MEANS to carry out analysis and the SAS REPORT procedure used to display results.
• Import SAS datasets, OLAP Cubes in SAS information Map Studio, use instructions on how to access and combine relational data tables, calculate new data items, create multiple pre-defined filters.
• Design and develop stored procedures using database management systems and related platforms (such as MS SQL Server, SSRS, T-SQL, etc.) that fulfill the technical and business requirements for clients.
• Collaborate with project stakeholders and technical teams regarding enhancements, changes, issues and defects that may impact development, data, workflow and/or functionality.
• Work with clients and other project stakeholders to understand needs and deliver reports that meet client needs and enhanced client satisfaction.
• Coordinate, manage team activities and provide technical and project specific guidance to team members.
• Work as the Lead Analyst and direct the programming activities of other programming personnel and ensured that the deliverables are met on time.
• Manage scheduling and time constraints across multiple projects, set goals based on priorities from management, and adapt to timeline by reorganizing daily workload.
• Maintain well organized, complete, and up-to-date project documentation, testing, and verification/quality control documents and programs in compliance with Company standards.

Environment: SAS 9.3, SAS Macros, SAS/STAT, SAS/ACCESS, Windows 10, MS Office, HTML, SAS Enterprise Guide, SAS Stored Processes Web Application, SAS Web Report Studio, SAS Information Map Studio, SAS Information Delivery Portal, SAS OLAP Cube Studio, SAS BI Dashboard, SAS Enterprise BI Server.

Confidential - San Francisco, CA

Business Analyst/Data Analyst

Responsibilities:

• Analyzed and interpret business requirements and implementing technical specifications for the filing of Federal Reserve Board quarterly and annual regulatory reports: CCAR, FRY-9C, FRY-9LP, FRY11, FR-2314, etc.
• Translated Data Transformation Specifications to Technical Specifications for IHC FinReg configuration.
• Tracked program progress, coordinate and hold meetings, provide detailed and accurate status updates to Senior Management and other stakeholders.
• Participating in data modeling, data analysis and requirement documentation.
• Interacted with different line of business (Credit Card services, Merchant Services, Mortgage Banking, RFS, Student Loans, Auto Finance, Business Banking, CTO etc.) within the bank to acknowledge the current business flow.
• Performed data analysis on a data flow between Axiom and upstream data feeding systems, including data mapping, quality assurance metrics, data quality scorecards and dashboards.
• Participated in data modeling, data analysis and requirement documentation and assisted PM in the design, development, and management of liquidity stress testing models for the Wholesale and Retail asset classes.
• Developed good practices for risk modeling procedures related to CCAR/DFAST.
• Communicated with all stakeholders and SMEs in all phases of the project, make sure the process is on the right track.
• Completed Gap Analysis and built Source to Target mappings and Data Lineage documents to deliver data from several source systems to Axiom SL Dynamic Data Warehouse and Integration Center (DDW/iC) for construction and execution of over 20 different CCAR (Comprehensive Capital Analysis & Review) Submissions and DFAST Stress Models.
• Designed architecture and data flow diagrams, write use cases, and perform data and gap analysis on global AML systems.
• Supported the Senior PMO on user acceptance testing (UAT), mapping, forecasting the firms 9-quarters plus 3- years Risk-Weighted Assets (RWAs).
• Wrote complex SQL queries to validate UAT and Production environments for reference data enhancements as per monthly release JIRA code items.
• Participated in preparing for CCAR reporting schedules (ex. FRY 14A/Q/M & 9C). Monthly and Quarterly budget forecasting and cost management.
• Compiled a list of all attributes in the reporting layer that are used in preparation of the key IHC US regulatory reports including: FR Y-9C, FR Y-14A/Q/M, Liquidity & Funding 5G and US Liquidity Stress Testing reports. Compiling Operational, Functional and Internal Controls.
• Extensive use of application TOAD to write SQL queries for data manipulations.
• Compiled data in the FRY 14A summary templates for mid-year DFAST submissions and the FRY 14A CCAR submission.
• Provide detailed pseudo code with user validated account mapping to the Axiom IT team for development.
• Analysis and design of CCAR (FRY 14Q and FRY 14M - all schedules), FRY 9C (few schedules), FFIEC102, etc. report requirements in AXIOM.
• Analyzed different source systems (LoanIQ, ACBS, Credit Cards - Target, Maestro, Shaw) and identified the reporting data elements required to report to Dodd Frank and Call Reports.
• Cooperated with CCAR team on delivering of the Basel capital regulatory results to serve the CCAR various reporting forms.
• Created and executed SQL queries for various application-specific databases based on user requests and specifications.
• Utilized SQL to extract data and understood data schemas and relational data tables in data warehouse.
• Conducted JAD sessions with SMEs and technological experts to gather data requirements such as securities pricing, corporate actions, trade and custodial data.
• Worked closely with Change Management team and attended Change Advisory Board meetings.

Environment: Oracle 11, MS SQL Server 2012, Axiom CV - v 9.2.6, MS Office Pro (including MS Visio, MS Power Point, MS Project), JIRA, SharePoint, Mercury Quality Center (ALM)

Confidential - Boston, MA

Data Analyst

Responsibilities:

• Produce SAS datasets, flat files, and reports for various departments.
• Create SAS data sets from Oracle database.
• Extensively program for statistical analysis of data.
• Develop and execute controlled tests to determine the impact of new programs and strategy changes on existing customers.
• Performed Data entry and conversions, data validation and corrections, uploading/ downloading data from/to a PC, statistical Data analysis, created permanent formatted SAS data sets for present/ future analysis.
• Exported and manipulated data in Excel for weekly/monthly reports, utilizing Pivot-Tables, VLookup, macros and various formulas.
• Also, created data visuals using Excel Charts (Line, Pie & Bar charts).
• Created reports and data driven presentations with impact- identified trends and occurrences in data and translating finding into various mediums including text, charts, graphs, displays and tables.
• Tested and validated reports to insure data accuracy and quality by using advanced MS Excel functions.
• Examined, tracked and analyzed the Social Media and website patterns to determine best practices for postings.
• Identified and monitored Key Performance Indicators across the business.
• Build and maintain SQL scripts, indexes, and complex queries for data analysis and extraction.
• Creating custom reports, writing stored procedures and optimizing custom reporting tools for MS SQL Server databases.
• Implement advanced statistical approaches to develop predictive models and profiles.
• Data mining to identify significant relationships among customer behaviors and descriptive characteristics.
• Perform complex ad-hoc programming, analysis, and reporting.
• Design, document, implement, and maintain monthly and ad-hoc financial and marketing analyses.
• Develop and produce monthly reports summarizing business activity, delinquency & loss.
• Maintain and enhance loss-forecasting models and delinquency roll rates.
• Modified/developed korn shell scripts to generate periodic reports.

Environment: SAS 9.2, Base SAS (MACROS, Proc SQL, ODS), SAS/STAT, SAS/GRAPH, SAS/ACCESS, SAS Enterprise Miner, Oracle 9i (SQL, PL/SQL), UNIX, MVS, UNIX Korn Shell, MS-Windows XP, MS-Office.

Confidential

Data Analyst

Responsibilities:

• Responsible for data collection, management and manipulation of clinical database.
• Performed statistical analysis, written SAS programs for data management and reporting, and performed validation, including testing SAS programs.
• Compared consistency of SAS variables, formats, and format codes across multiple studies.
• Accessed external excel files, stored and retrieved SAS data sets by moving data through multi platforms.
• Used PROC SQL (Pass-Through & Libname) methods and PROC APPEND (Bulkcopy) methods to write statistical analysis results to ORACLE database.
• Extensively used report writing procedures such as PROC PRINT, PROC REPORT, and PROC SQL.
• Produced summary of reports using PROC MEANS, PROC SUMMARY AND PROC TABULATE.
• Developed and maintained data retrieval and analysis tools for reporting.

Environment: SAS 9.1.3, SAS/Macro, SAS/Access, Oracle, SAS Procedures, MS Excel