Devinder Kumar

Performed credit-risk assessments for commercial and individual clients using financial statements and payment histories to set risk profiles and credit limits. Implemented a scoring model to improve loan-approval accuracy and reduce processing time. Built portfolio risk and delinquency dashboards using Excel, Power BI, and SQL, and used SAS and Tableau for analytics and visualization while coordinating with risk, underwriting, and data teams to automate credit reviews.

Supported finance and operations by analyzing financial statements and profitability to inform transactions and project decisions. Structured and underwrote business proposals for budgeting and prepared construction project quotations. Performed gap analysis, process/data mapping, and ETL verification, supporting QA with test planning and execution for mapped data flows.

Analyzed financial statements, profitability trends, and KPIs to support financial modeling, budgeting, forecasting, and valuation activities. Built SQL Server and Power BI reporting solutions, including blended reporting from multiple sources. Collected business requirements for data models and reporting, and documented current and future reporting needs for credit-risk and securities data along with data mapping and transformations.

Monitored and reported budget and cost-allocation variances and performed cost/benefit analysis for operating and investment decisions. Created management reports using Excel, Google Sheets, and QuickBooks while maintaining data quality and reporting accuracy. Partnered with data analysts to improve reporting accessibility through data mart prototyping and implemented data quality and metadata processes for risk-related reporting.

Built and maintained financial models for budgeting, forecasting, and business performance analysis. Conducted financial statement and KPI analysis to produce management forecasts and variance explanations. Evaluated FX exposure and assessed investment proposals by considering market, credit, and operational risks. Produced reporting for software asset usage and consumption to support license compliance and financial controls.