Nigel Fernandes
Data Analyst with hands-on experience in credit-risk analytics, bureau data validation, dedupe engines, and fraud detection systems within digital lending
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About
Data Analyst with hands-on experience in credit-risk analytics, bureau data validation, dedupe engines, and fraud detection systems within digital lending. Skilled in SQL, Python, RCA, log analytics, and API debugging across platforms such as Posidex, Multibureau, BRE, and Cyclops. Strong ability to convert system issues into data-driven insights while improving automation, accuracy, and operational efficiency.
Experience
Assistant Manager (Application Engineering & Data Analytics) - L&T Finance
(2024-01)
- Analyzed and optimized Posidex dedupe results, improving match accuracy and reducing onboarding mismatches using fuzzy-match and linkage validation.
- Validated Multibureau bureau API responses (CIBIL, Experian, Equifax, CRIF), resolving mismatches and improving bureau hit rate.
- Enhanced credit automation by updating and testing BRE rulesets including eligibility logic, scorecards, and policy checks.
- Performed data-driven RCA on Cyclops fraud alerts, reducing false positives and improving risk signal accuracy.
- Executed SQL, APEX, SOQL, and REST-based data extractions to diagnose data gaps and resolve production issues.
- Validated deployments, executed data migration checks, and ensured data flow accuracy across microservices.
- Delivered analytical dashboards and trend insights supporting credit risk, compliance, and product teams.
Education
B.Tech - Computer Engineering (Honors in Data Science) - Don Bosco Institute of Technology, Mumbai (2020-01 - 2024-12)
