Neerja Virmani Wadhwa
Auckland,AUK
Summary
Experienced Data Analyst with 7+ years in banking and financial services, specializing in credit risk analysis, data quality governance, and regulatory reporting. Proven ability to develop data quality rules, resolve end-to-end data issues, and map critical data elements (CDEs) across large datasets. Skilled in SQL, SAS, and Excel, with experience in stakeholder collaboration, Basel remediation, and supporting credit risk modelling.
Overview
11
11
years of professional experience
Work History
Data Analyst
Oceana Homes & Developments Ltd
12.2023 - Current
- Cleaned and transformed large invoice datasets (50K+ records) for financial reporting.
- Developed advanced SQL queries to monitor vendor payments, track unpaid invoices, and generate reports.
- Created Power BI dashboards for cost analysis and stakeholder decision-making.
- Built automated Python alerts for overdue payments to improve follow-up efficiency.
- Managed the full data process independently, and collaborated with stakeholders.
Senior Consultant
Ernst & Young
12.2021 - 12.2023
- Built data quality rules and profiling logic to support Basel compliance and improve CDE reliability.
- Mapped lineage and validated critical data elements (PD, LGD, EAD), enhancing traceability and reducing audit validation time by 25%.
- Conducted root cause analysis for recurring data issues, resolving 85% of them and reducing compliance risks by 20%.
- Partnered with credit risk, product, and compliance teams to define reporting logic and validate model inputs.
- Delivered descriptive analytics for customer behavior and payment trends to support campaign targeting.
Consultant
Exl Services
05.2021 - 12.2021
- Executed credit risk segmentation using SQL and Excel to support provisioning accuracy.
- Worked with IT to improve ETL data refresh rates by 25%, enhancing timeliness for risk decisions.
- Presented risk trends and customer analysis to senior leadership to support strategic planning.
Senior Risk Analyst
NatWest (RBS)
09.2019 - 05.2021
- Led credit risk analysis of payment behavior and delinquency across retail portfolios.
- Reconciled Athena and Walker data, identifying $15M+ in discrepancies and reducing exposure by 30%.
- Automated SAS-based regulatory and BAU reporting, reducing manual effort by 40%.
- Supported Basel remediation by validating over 5,000 data records and resolving lineage gaps.
- Partnered with compliance and audit teams to align risk outputs with regulatory standards.
Analyst
HSBC
06.2018 - 09.2019
- Translated business needs into execution plans, enabling successful multi-channel campaign rollouts.
- Designed and executed customer engagement campaigns using SAS and SQL, achieving $2.5B in ROI.
- Managed multiple campaigns with high accuracy and on-time delivery aligned with business goals.
- Automated SAS/SQL workflows for campaign prep and reporting, cutting manual effort by 40%.
- Analyzed customer behavior to support targeting, segmentation, and retention strategies.
- Investigated customer complaints, reducing churn through root cause analysis and process improvements.
- Liaised with US-based stakeholders to clarify objectives and resolve data/reporting issues.
Programmer Analyst Advance
Aon
06.2014 - 06.2018
- Transformed raw data into structured datasets using SAS import techniques and data step functions (SET, MERGE, SORT, FORMAT).
- Improved performance and efficiency by developing reusable SAS macros for large-scale reporting.
- Conducted peer code reviews to enhance quality and maintainability across projects.
- Mentored junior analysts, reducing code issues by 25% and boosting team productivity.
Education
Bachelor’s - Computer Science
Maharishi Markandeshwar University
India01.2014
Diploma - Computer Science
Maharishi Markandeshwar University
India01.2011
Skills
Data Quality & Governance: Critical Data Elements (CDEs), Lineage Mapping, Data Profiling, Data Quality Rules, Basel Reporting (PD, LGD, EAD), Root Cause Analysis
Tools & Technologies: SQL, SAS, Excel, Python, Power BI, Data Validation, ETL Processes, Data Wrangling, Large Datasets
Credit Risk Analytics: Credit Risk Data Analysis, Risk Segmentation, Data Remediation, Provisioning Support
Cloud & Warehousing: Knowledge of Data Warehousing Concepts, Data Flows, and Reporting Systems
Stakeholder Engagement: Requirements Gathering, Risk & Compliance Collaboration, Cross-functional Communication
Campaign & Business Insights: Campaign Analysis, Customer Segmentation, Reporting, Business Impact
Timeline
Data Analyst
Oceana Homes & Developments Ltd
12.2023 - Current
Senior Consultant
Ernst & Young
12.2021 - 12.2023
Consultant
Exl Services
05.2021 - 12.2021
Senior Risk Analyst
NatWest (RBS)
09.2019 - 05.2021
Analyst
HSBC
06.2018 - 09.2019
Programmer Analyst Advance
Aon
06.2014 - 06.2018
Bachelor’s - Computer Science
Maharishi Markandeshwar University
Diploma - Computer Science
Maharishi Markandeshwar University
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