About
I'm a data analyst with 4+ years in lending and credit risk. I turn messy operational data into decisions — funnels, metric definitions, root causes, dashboards.
Most of my work sits where written policy meets production systems. At Khatabook I own business-rules-engine analytics across six lending partners: translating joint credit policy documents into executable rule configuration, monitoring the approval funnel from whitelisting through disbursal, and tracking a ₹8–9B+ book for early signs of delinquency. Before that, at Quinte Financial Technologies, I built cohort and vintage delinquency analytics for Axos Bank in the US and automated the vendor-risk assessment that used to be done by hand.
The pattern across both: define the metric properly, prove the cause with a number, and leave behind something that keeps working after I've moved on — a monitored dataset, a tested rule set, a tool other analysts use.
Lending is where I'm deepest, not where I'm fenced in. I've built regression models for a construction firm, led a 60+ person global data team at Omdena, freelanced on Upwork for over a year, and I run The Oven Vibe, a D2C bakery I founded — where I'm the analyst and the one who lives with the decisions. The domain changes; the method doesn't.
Bengaluru, India · Open to remote
English & Hindi (full professional) · Odia (native) · Bengali (professional working)
Tools
BI & Languages
- SQL
- Python
- Tableau
- Power BI
- Advanced Excel
- dbt
Platforms
- Snowflake
- AWS
- SQL Server
- Azure
- Git / GitHub
- Jira / Confluence
- Streamlit
- Apache Airflow
Analytics
- BRE policy logic
- Approval-rate monitoring
- Funnel analysis
- A/B testing
- Machine Learning
- Risk cohort analysis
- EWI tracking
- RCA
Workflow
- BRE policy configuration
- REST API integration
- UAT & sanity checks
- BRD review
- Agile / Scrum
What people say
Milan has proven to be one of our more reliable and resourceful data analysts that we have ever contracted. Studying his code is a real treat! I worked with Milan as an in-house analyst at Axos bank. Milan and several others were contracted before me to help with the workload — boy, did Milan help! He has proven to be a great resource for the other Quinte members, and honestly, a pleasure to work with. I rarely do any recommendations but you can rely on this guy.
worked with Milan as an in-house analyst at Axos Bank · Aug 2025 · Verify on LinkedIn
I wholeheartedly recommend Milan for their valuable contributions to our project. His dedication and diverse skill set significantly impacted our success. Milan adeptly managed data collection from a complex source, showcasing strong data science and Python programming skills. He took the initiative to address language barriers, and was proactive in solving issues faced. His exceptional project management skills were evident in organizing data and streamlining collaboration within our team. Furthermore, his communication skills and adaptability made him a valuable asset to our multidisciplinary team. I highly recommend Milan for his ability to deliver results and drive connections.
managed Milan directly · Oct 2023 · Verify on LinkedIn
It is with great pleasure that I share my experience working alongside Milan during our recent project. In their role as a task lead, Milan consistently demonstrated an exceptional commitment to excellence. One standout quality was their ability to consistently deliver tasks in a timely manner. Regardless of the complexity or challenges posed by the task at hand, Milan exhibited remarkable organizational skills and a keen eye for detail, ensuring that every aspect of the project was completed promptly and efficiently. This not only contributed significantly to the overall success of our initiative but also showcased Milan's strong leadership qualities. His dedication to meeting deadlines and maintaining a high standard of work is truly commendable, and I am confident that Milan will continue to excel in any future endeavors. It was a privilege to have such an efficient team member on board.
managed Milan directly; Milan was task lead · Nov 2023 · Verify on LinkedIn
I have enjoyed working alongside Milan on the project "Developing a Data-Driven Model for Waste Management Optimization." During that time, I have been consistently impressed by their work ethic, enthusiasm, and ability to work effectively with others. Milan is an outstanding problem solver and an excellent team player who always strives to go above and beyond in their work. He possesses a unique blend of technical knowledge and interpersonal skills, which makes them a valuable asset to any team. He is highly organized, detail-oriented, and has a remarkable ability to prioritize tasks. His strong analytical skills and innovative thinking make him a great asset to any project.
worked with Milan on the same team — Waste Management Optimization project · Sep 2023 · Verify on LinkedIn