Koushik NJ
Data and Risk Analyst
Coimbatore
Summary
Proactive and meticulous Data And Risk analyst experience in the Financial industry (FinTech and NBFC). Successful at reviewing suspicious activities and uncovering fraud. Experienced in meticulously and methodically assessing merchant, customers and organization compliance with promising reporting and documentation skills.
Overview
2
2
years of professional experience
5
5
years of post-secondary education
Work History
Assistant Manager -Risk Containment Unit
Bajaj Auto Finance
11.2023 - Current
- Produced and filed reports to inform senior management of current activities and progress with investigations.
- Performed data analysis and provided recommendations.
- Maintaining 95% of checked percentage in collative fraud report MIS on daily basis.
- Reduced overall fraud rate by 3% saving potential organizational loss in first quarter of 2024.
- Increased operational efficiency by streamlining processes related to risk assessment and reporting.
- Conducted root cause analyses on notable incidents or losses, using findings to inform improvements in preventative measures moving forward.
- Collaborated with cross-functional teams to ensure data integrity and accuracy, resulting in better-informed decisions.
- Monitored and assessed compliance risks associated with operational processes and procedures.
Risk Analyst
Razorpay
12.2021 - 11.2023
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity
- Working on minimum 60 transaction on a daily basis, stopping real time live transactions which could be potentially fraudulent.
- Investigated 300 merchants on a monthly basis which are filtered after transaction monitoring (International and Domestic), trend analysis and fraud reported percentage.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Provided actionable insights through comprehensive reports and dashboards, supporting strategic initiatives.
- Assessed emerging risks through ongoing research and monitoring of industry trends, proactively addressing potential threats before they materialized into significant issues.
- Reduced financial losses due to effective identification and mitigation of potential risks in suspected merchants and end users.
- Assisted law enforcement agencies with information pertaining to ongoing investigations, contributing to successful case closures.
- Participated in product enhancements and requirements meetings to understand business and team needs.
Education
Bachelor of Engineering - Aeronautical Engineering
Sri Ramakrishna Engineering College
Coimbatore 07.2016 - 03.2021
Skills
Data Analysis : Analyzing large datasets, extracting insights, identifying trends or patterns
Risk Assessment : Assessing and mitigating risk, identifying potential threats or impacts Developing operational practices, strategies to manage them
Programming Languages : Knowledge on SQL, basic Python concepts
Data Visualization : Creating visual representations using Tableau
Productivity Suite : Microsoft Office, Google Workspace
Regulatory Compliance : Knowledge of relevant regulations and compliance standards in the industry
Financial Analysis : Understanding of financial concepts to perform financial risk assessments
Problem Solving : Identify, address issues related to data quality, accuracy, risk management effectively
Communication : Strong Written and Verbal communication skills to convey complex findings and recommendations to senior management, stakeholders
Timeline
Assistant Manager -Risk Containment Unit
Bajaj Auto Finance
11.2023 - Current
Risk Analyst
Razorpay
12.2021 - 11.2023
Bachelor of Engineering - Aeronautical Engineering
Sri Ramakrishna Engineering College
07.2016 - 03.2021