Swati Goyal

• Lead credit risk assessments for Consumer loan portfolios, ensuring compliance with regulatory standards and company policies.
• Oversee portfolio management and implement strategies to mitigate credit risk.
• Collaborate with underwriting, collections, and compliance teams to drive cohesive credit risk management.
• Calculated affordability for loan applicants using the SIFO factor to assess repayment capacity, integrating this into the overall risk strategy.
• Automate and improve risk reporting using Power BI, reducing manual efforts and enhancing reporting accuracy.
• Mentor and train junior analysts, fostering their development in credit risk analysis.
• Improved credit risk assessment processes by implementing advanced data analysis techniques and tools.

Environment : SAS, Microsoft SQL Server, Microsoft Power BI, Microsoft Fabric

• Calculated Monthly Expected Credit Loss (ECL) using IFRS9 Engine and prepared IFRS9 reports for senior management.
• Led migration of IFRS9 output from SAS to SQL Server, streamlining reporting processes.
• Automated Excel-based reports into Power BI for improved data visualization and decision-making.
• Supported the implementation of forbearance policy updates and aligned credit risk practices accordingly.

Environment: SAS, Microsoft SQL Server, Microsoft Power BI, Microsoft Excel

• Developed data warehouse solutions using TimeXtender and QlikSense dashboards for improved business insights.
• Extended diverse data products for asset managers and accounting department
• Contributed to data strategy and organization data road map for self-service and scalable data warehouse/platform.

Environment: QlikSense, TimeXtender Discovery Hub, Microsoft SQL Server Management Studio

• Operate and maintain the Mobile Broadband (MBB) billing system, ensuring seamless billing processes.
• Generate XML files for MBB invoicing and facilitate accurate billing.
• Develop and deliver reports for Finance, Interconnect, Bill Run, CPA, and Sales.
• Lead data migration efforts to a new billing system.
• Maintain NaviBilling system for accurate billing and data processing.

Environment: Visual studio 2012, Navicat for Mysql and SQL, MS Dynamic Nav, MS Reporting Builder (SSRS)

• Design and develop Mypages and other Back-office systems.
• Maintain internal billing systems and oversee data integrity.
• Build reports for sales analysis and ensure accurate data handling.
• Migrate data to new billing systems to enhance operational efficiency.
• Implement Mantis for bug tracking to streamline issue resolution.

Environment: Visual studio 2010, Asp.net MVC 4 – Razor using C#, Mantis, Navicat for Mysql, NetBeans

• Developed and maintained data flow processes (3GGP, AU-FTM, FTM, DFO)
• DFP process testing and Documentation on wiki pages

Environment: Groovy, Spring Tool Suite, JBoss, Maven, SVN

• Design and development of new features in GlobalTrade
• Handling database, retrieving data for marketing team
• Led outsource development according to specification

Environment: Struts 2, Spring, Hibernate, JSP, JS, AJAX, MySQL, SVN

• Built UI tool for business planning based on cost and network data

Environment: JSP, JFreeChart, MySQL, Tomcat

• Enhanced delivery tool for Karma Project.
• Implemented automated testing using SoapUI.

Environment: Struts 1.1, JOnAS, Maven, SoapUI, JUnit

• Developed UI modules for HR portal including training and internal notices.

Environment: ASP.NET (C#), SQL Server 2005