Parul Joshi

Data Analyst with 4+ years of experience across analytics, financial operations, fraud risk analysis, and data-driven decision making. Skilled in SQL, Python, statistical analysis, A/B testing, KPI development, root cause analysis, and dashboarding. Experienced in analyzing large datasets, identifying fraud signals, performing user behavior analysis, and delivering actionable insights that drive measurable business impact.

Data Analyst - I (Activation) at Jar (2024-04 – Present)

• Analyzed large transactional datasets using SQL and Python (Pandas, Numpy) to identify fraud patterns across transaction, KYC, device and behavioral data and performed EDA for insight generation.
• Built a risk-based fraud scoring framework (0-1 probability) with data validation and threshold optimization, enabling early fraud detection and improved decision making and were able to successfully identify 3 confirmed fraudulent cases, improving process efficiency.
• Conducted an A/B test on M0 users with failed renewals to evaluate optimal Double Pre-Notification (DPN) timing (10 vs. 30 days), achieving a 2% increase in retention rate.
• Performed data analysis using SQL and Python to measure retention metrics, validate statistical significance, and visualize user behavior trends.
• Designed and implemented quality monitoring systems to maintain 24/7 service uptime without human intervention, reducing reporting time by 25% and enhancing data visualization portfolio for leadership
• Created wealth score for thin file - new users using alternate data to determine their affluence for dynamic pricing for autopay setup. Increased coverage of the user base by 27%
• Designed and maintained Power BI dashboards for fraud, retention, and operational KPIs using optimized SQL queries.

Deduction Analyst at Genpact (2019-07 – 2021-07)

• Managed and analyzed daily financial portfolios for 30 clients, ensuring 100% accuracy in financial reporting.
• Utilized SQL to extract client financial data and Power BI for graphical representations.
• Identified incorrect deductions and worked with teams to recover missing amounts, reducing revenue loss

MSc in Data Science – Christ (Deemed to be) University (2021 – 2023)

Bachelors in Commerce (BCom Hons) – Amity University (2016 – 2019)