RAJAT GARG : +91-8502971971

Business Analyst - Axis Bank : rajatgarg.nitw@gmail.com

National Institute of Technology, Warangal : linkedin.com/in/garg-rajat
An analyst with 2 years’ experience managing & analyzing the product, a critical thinker who not only analyze the data but also knows &
understands the business. One with exemplary planning and organizational skills along with a high degree of the detailed orientation
Professional Experience
Axis Bank Ltd, Mumbai Business Analyst (Manager) Since Apr’21
Roles & Responsibilities:
• Responsible for coordinating across verticals (Product, Sales, Policy, Risk) and providing analytical support to Bank’s Retail Loans
team with Pricing, Profitability, Customer targeting, Geographical strategies, Cross Selling strategies and Collection Strategies
• Managing end to end implementation of various list-based programs run by bank at national level for business expansion and
cross selling
• Analytics support in implementation of programs and directives by regulatory bodies viz. RBI and Ministry of Finance in Retail
loans space for Axis Bank
• Responsible for mentoring new inductees in the team and developing their skills
Axis Bank Ltd, Mumbai Business Analyst (Deputy-Manager) Jul’19 - Mar’21
Roles & Responsibilities:
• Responsible for coordinating across verticals and providing analytical support to Bank’s Wheels product team
• Responsible for maintaining the good data infra in the organization and work along with Data Engineering team to create new
and efficient datasets
Key Projects Handled:
• Moratorium Implementation & Collection Strategy:
o Used customers’ transactional behaviour within the bank and outside the bank Pre & Post Covid-19 to understand their
vulnerability to default in pandemic situations and helped in collection strategies for different customer segments after
moratorium period ends.
o Helped in significant drop (~80%) in Moratorium 2.0 Opt-In & estimating cash flow based on customer behavior
• ETB Customer slippage to Dealers Identification:
o Performed fraud analytics working closely with leadership to understand the key reasons behind heavy slippage of Existing
to Bank customers to channels other than branch and digital
o Helped business and credit team in detecting the specific locations where suspicious activities were detected and developed
a model to track the same regularly
• Ex-Gratia Payments:
o Helped the team to reconcile the customers’ payment and outstanding data from the available data infra within the required
time frame to credit Ex-Gratia payment as per the RBI & Supreme court regulations.
o Later verified the credited payments to ensure smooth auditing
• Retail Loans Geo Strategy:
o Created Geo scoring models for retail loan products, thus helping in prioritizing locations across India for launching a new
products & expanding sales manpower for an on-going product.
• Pricing & Profitability Analysis:
o Various analyses on improving profitability through monitoring RoE & pricing according to risk, demographics, customer
engagement and distribution channels
o Identified the primary reason for low profitability & prepared a road map to increase overall profitability of the Auto Loan
customers at Bank level by cross-sell
• Other important activities:
o Monthly Business dashboard, Profitability (RAROC) Dashboard for Auto loans (consumed by Bank’s leadership), Industry
view of the entire Wheels Product using CIBIL Data. Helping product team in improving Approval rate by suggesting
sourcing guidelines using Decision Tree after analyzing and identifying the key issues
• Awards & Achievements:
o Received MP++ rating (5 on a scale of 5, given to top 5% of employees) along with promotion in Annual Appraisal for my
performance in FY21
o Received “BIU Star Award” by President, BIU for deriving actionable insights through profitability and Industry analysis for Auto
Loan Business
KEY COMPETENCIES AND SKILS
• Tools & Technical Skills: SAS, Microsoft Excel, SQL, Microsoft PowerPoint, Basics of Python, Tableau & Power BI
• Non-Technical Skills: Analytics, Leadership, Management, Teamwork, Communication, Reasoning, Problem solving
Academic Qualifications
Year Degree/Course Institute CGPA/%
2015-2019 B.Tech (Chemical Engineering) NIT Warangal 7.03/10.0
2017-2019 Technology Entrepreneurship Programme (TEP) ISB Hyderabad A+
2014 Class – XII (RBSE) Maruti Sr Sec School, Bharatpur 87.0%
2012 Class – X (RBSE) Sony Academy Sr Sec School, Bharatpur 91.5%
Training & Internships
Indian Oil Corporation Ltd, Mathura Vocational Trainee Jun’18-Jul’18
• Learnt the basics of production department, and did project on ‘Atmospheric Distillation Unit’ and ‘Diesel Hydro
Desulphurization unit’ and hence acquired insights into organizational systems and procedures.
Almabase, SM&KK Techlabs Pvt Ltd, Bangalore Summer Intern Jun’16- Jul’16
• Worked as a part of a cohesive team to perform data research analytics and provided recommendations to contact new clients
after creating data infra.
Positions of Responsibility
• Student Coordinator, Training & Placement Cell, NIT Warangal May’18 – May ‘19
• Student Ambassador, ISB Hyderabad for NIT Warangal Jun’17 – Jun’19
• Additional Secretary, English Literary & Debating Club, NIT Warangal Aug’16 – May’19
• Department Editor & Joint Secretary, Newsletter & Magazine Committee, NITW Aug’16 – Jul’18
• Joint Secretary, SPIC MACAY Student Chapter, NIT Warangal Aug’17 – Jul’16
• Sub-Coordinator, Event Conduction & Coordination, Technozion’17, Technical fest, NITW Sep’15 – Mar’18
• Nodal Officer & Nodal Participant for NIT Warangal, NIT Conclave’16 Jul’16 – Jun’17
• Head of Publicity & Event Manager, SpringSpree’17, Cultural fest, NIT Warangal Dec’16 – Jul’17
• Class Representative, Student Council, NIT Warangal Aug’15 – Jul’16
Hobbies / Interests
• Poetry • Social Work • Cricket • Travelling • Debating