Yash Verma

“Deputy Manager- Data Analytics” in the Credit Risk Management Department @ Utkarsh Small Finance Bank

Varanasi, Uttar Pradesh, India

About

A data-driven professional with expertise in Data Analysis, Data Science, Data Visualization, Hypothesis Testing, Regression, and working on Machine Learning Models using Python & R. Excellent understanding and proficiency of platforms for effective data analysis, cleaning and visualization including Spreadsheets, Python, R, SQL, Power BI & Tableau. Strong communication, organizational, analytical skills and proficiency in German Language.

Experience

  • Utkarsh Small Finance Bank (1 yr 1 mo)
    • Deputy Manager- Data Analytics
      Jul 2025 - Present · 1 yr 1 mo

    • Credit Risk Manager
      Jul 2025 - Present · 1 yr 1 mo

      Analyzed large-scale loan portfolio and CRIF bureau data (4.5 Cr+ records) to identify credit risk trends, delinquency patterns, and early warning signals. Performed predictive analytics using credit risk models to identify potential NPA customers and support proactive risk mitigation strategies. Identified and resolved data anomalies and inconsistencies, ensuring high data accuracy and reliability in credit risk reporting. Collaborated with credit team, collections, and business teams to provide data-driven insights for credit approvals and portfolio monitoring. Automated data extraction, validation, and reporting workflows using Python, Excel, and Power BI, improving efficiency and reducing manual effort.

  • Professional development at Career Break
    Mar 2025 - Jul 2025 · 5 mos

    Focused on upskilling and broadening my professional expertise during this period. Invested time in enhancing technical and analytical skills through projects, certifications, and hands-on learning, while also working on personal growth and leadership capabilities to prepare for future opportunities.

  • Data Analyst Intern at STREAMS Solutions
    Apr 2024 - May 2024 · 2 mos

    📊 Streamlined Data Management by extracting and integrating data from multiple cloud and local sources. 📊 Automating ETL processes to enhance efficiency and reduce manual intervention. 📊 Designed and implemented data transformation workflows that ensured accuracy, consistency, and reliability of large datasets. 📊 Developed interactive dashboards and reports using Power BI and Tableau, enabling clear visualization of business trends, KPIs, and actionable insights. 📊 Collaborated with stakeholders to translate business requirements into analytical solutions, supporting data-driven decision-making. ✨ This experience strengthened my technical expertise in data analytics, business intelligence, and automation, while demonstrating the value of analytics in improving operational efficiency.

  • Data Analyst Intern at Unified Mentor
    Feb 2024 - Apr 2024 · 3 mos

    📊 Expertly processed and analyzed data from various sources using ETL processes. 📊 Utilized Python libraries like Pandas, NumPy, and Seaborn for statistical analysis and visualization. 📊 Developed visually compelling dashboards using Power BI & Tableau to communicate findings effectively.

  • SQL Intern at Mentorness
    Oct 2023 - Nov 2023 · 2 mos

    📊 Analyzed real-world data to derive actionable insights, honing SQL skills. 📊 Collaborated with mentors at Mentorness to enhance data analytics expertise. 📊 Leveraged SQL expertise to work on two exciting projects during internship.