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Data Analyst — Lending & Credit Risk

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Messy data, turned into decisions.

Funnels, metrics, root causes, dashboards. Deepest in lending & credit risk — the domain changes; the funnel math doesn't.

Python · SQL/Snowflake · Tableau · Power BI · Funnels & RCA · ML

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One funnel, benchmarked rule by rule.

Portfolio qualification, indexed per 100 applications — six lending partners, 100K+ monthly borrowers. The lift came from finding exactly which rules turned fundable borrowers away.

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Before — rules as first configured 0/100
After — rules benchmarked, fixed & monitored 0/100
Δ +13 pts

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01 · Funnel · Policy · SQL

Lifting portfolio qualification from 30% to 43%

30% → 43% portfolio qualification rate

Six lending partners, 100K+ monthly borrowers, and a funnel nobody could see inside. Rejection-code analysis turned "we lose most applicants somewhere" into a ranked list of fixable constraints.

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02 · Policy · SQL · Tooling

Policy as code: 112 rules, 200+ variants, six lenders

200+ policy variants configured

Six partners, six written credit policies, one rules engine. Turning prose policy documents into versioned, testable, executable configuration — and keeping them honest with an automated regression harness.

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03 · Risk · Dashboard · SQL

Cohort and vintage delinquency monitoring for a US bank

+25–30% delinquency prediction accuracy

Concurrent and ever-delinquency matrices, vintage curves and early-warning indicators for Axos Bank — turning a monthly regulatory reporting grind into a portfolio view that surfaces deterioration while it is still early.

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Funnel & conversion diagnostics

Find where a multi-step funnel leaks, which segment it leaks worst for, and what it is worth to fix — with a ranked list, not a hypothesis.

Metrics, dashboards & data QA

Agreed metric definitions, dashboards people actually use to decide things, and validation that fails loudly when the numbers are wrong.

Rules & policy analytics

Turning written eligibility, pricing or risk policy into executable rules — benchmarked against peers, tested before deploy, and monitored after.
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Got a funnel that leaks? Let's find where.

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