Akshay Patel

Data-driven banking professional with 2 years of experience in credit underwriting, portfolio monitoring, delinquency management, and regulatory compliance at State Bank of India. Qualified SEBI Grade A (Mains) and JAIIB certified with expertise in Financial Markets, Accounting, and Economics. Skilled in SQL, Python, Power BI, Excel, Machine Learning, and AI automation.

Combining banking domain expertise with analytics to solve credit risk, fraud detection, customer retention, and operational efficiency challenges within fintech environments.

Probationary Officer / Assistant Manager - State Bank of India

(2024-07)

• Evaluated 500+ KCC, SHG, and MUDRA loan applications monthly through structured credit assessment and underwriting.
• Conducted cash-flow analysis, repayment capacity assessment, and financial due diligence.
• Monitored AUCA/LNPA portfolios and supported delinquency management and recovery initiatives.
• Maintained 100% audit-compliant reporting through strict adherence to RBI regulations and internal controls.
• Identified early warning indicators through repayment trend analysis and borrower monitoring.

Data Analytics Content Writer - Analytics Vidhya

(2019-07 - 2021-12)

• Authored 30+ articles on Python, SQL, Machine Learning, and Data Analytics for 100K+ monthly readers.

B.Tech - Electronics & Communication Engineering - Shri Ramswaroop University (2017)