Vaibhav Arora
Leeds
Summary
Senior Analytics and Risk Leader with 10+ years of experience across Credit Risk Analytics, Marketing Analytics, and Data Science, supporting major UK & US banks and high-growth fintech environments. Proven track record of leading end-to-end analytical initiatives, designing ECM (Existing Customer Management) strategies for prime and sub-prime credit card portfolios, and delivering high-impact insights that drive portfolio growth and risk optimisation. Experienced in modernising legacy analytical environments through cloud migration and scalable data architectures, leveraging tools such as AWS (Athena, Glue, S3), Python, SQL, SAS, Tableau, and advanced automation frameworks.
A trusted partner to CXOs, senior leadership, and cross-functional stakeholders, with strong capabilities in requirement gathering, roadmap planning, and translating business problems into data-driven, actionable strategies. Adept at leading teams, guiding junior analysts, and managing delivery across complex projects including credit policy design, portfolio monitoring, and cloud data engineering. Recognised for strong communication, structured problem-solving, and the ability to deliver high-quality analytical solutions in fast-paced, regulated financial environments.
Overview
10
10
years of professional experience
4
4
years of post-secondary education
1
1
Certification
Work history
Engagement manager
EXL Services
Leeds
07.2024 - 11.2025
- Supported end-to-end AWS cloud migration by gathering business requirements, defining data architecture needs, and documenting source-to-target mapping for large-scale datasets.
- Collaborated with cloud engineering teams to migrate legacy ETL pipelines to AWS Glue, improving performance, scalability, and maintainability. Led data validation and reconciliation efforts during migration using Athena, SQL, and Python-based scripts.
- Utilized AWS Glue to design, test, and monitor ETL jobs for structured and unstructured data across multiple business domains. Executed complex queries in Athena for data profiling, quality assessment and built Python scripts for data transformation, statistical analysis, and automation of validation checks to ensure data integrity post-migration.
- Acted as the primary liaison between business stakeholders, cloud engineers, and product owners to ensure alignment of migration goals and analytical requirements. Gathered and prioritized requirements, translated them into user stories, acceptance criteria, and technical specifications.
- Facilitated workshops, sprint planning, and demos to keep stakeholders informed on migration progress, risks, and key milestones using JIRA/Confluence methodologies.
- Guided the team in building advanced analytical workflows using Athena for data profiling, trend analysis, and production validation.Led integration of cloud-based datasets into the data science life cycle, ensuring high-quality, well-structured data for modelling.
Senior manager
EXL Services
Leeds
07.2022 - 06.2024
- Developed and automated market risk metrics (VaR, rates, Sensitivities) using Python, reducing manual processing time by 30%. Involved in regression / UAT testing of multiple applications for migration to new RFR regime using SAS , Python , VBA ,SQL in day to day tasks.
- Converted business needs into detailed user stories, acceptance criteria, and process flows within Agile/Scrum environments. Supported UAT cycles by preparing test cases, executing test scripts, and documenting defects across risk applications.
- Automated repetitive data extraction, transformation, and reporting tasks using Python, improving efficiency and reducing errors. Worked with SQL databases to pull large datasets and optimize risk data queries.
- Developed and maintained Power BI dashboards to track transport credit exposure and monitor credit risk performance of Personal Contract Hire (PCH) and Business Contract Hire (BCH) segments, identifying early-warning indicators and emerging risk trends.
- Conducted deep-dive analysis of arrears, defaults, recoveries, and customer behavior trends within PCH/BCH product lines. Performed exposure segmentation by vehicle type, customer profile, contract term, and industry sector to support pricing and credit policy enhancements.
Manager
EXL Services
04.2021 - 06.2022
- End-to-end program management involving opportunity sizing, strategy design, Credit risk policy design, implementation, performance forecasting and program P&L ownership for Credit Line Increase, Balance Transfer programs.
- Conceptualized and built SAS reporting frameworks for multiple ECM programs to track campaigns performance and effectively track attributable revenue and multiple KPIs.
- Analyzed huge credit card transactional data to bring merchant insights. Presented data stories in easy to understand way using modern tools like Tableau and other viz tools.
- Responsible for providing strategic insights to solve business problems by actionable data driven insights and KPIs. Managed stakeholders’ expectations. Lead a team of analysts and built a CoE Data Science Visualization platform.
- Automated ETL process using Python thus reducing manual dependencies of 10+ business processes and reducing workload by 34%.
Assistant manager
EXL Services
Gurgaon, India
04.2019 - 03.2021
- Identified credit worthy customers in the sub-prime space for a profitable CLI (Credit Line Increase) program generating ~$70M/year in additional assets with a 8% post-tax ROA
- Led a two member team to Identify opportunities for cross-sell bydeveloping a BT (Balance Transfer) program generating an additional of ~$30M/year in assets and ~$1.2M/year in additional revenues.
- Data Analysis - Exploratory data analysis to analyze the data to attain deep understanding of data required to solve the given problem statement in the best possible manner. This involves use of basic and advance statistical methods like uni-variate, bi-variate analysis and segmentation etc.
- Credit Line Management – Worked on building strategies to calculate credit change for clients of a credit card portfolio. Took initiatives to improvise the existing strategy. Defined KPIs and quantified and presented the value addition to the client.
- Created Audits sheets and excel reports for multiple campaigns for business team using various procedure commands on SAS which includes frequency, means, tabulate, univariate, gplot, ttest, summary etc.
Senior business analyst
EXL Services
Gurgaon, India
10.2017 - 03.2019
- Built ideal customer journeys to drive portfolio profitability and developed a strategy of email communication and up-sell campaigns to incentive ‘profitable’ behavior to maximize customer lifetime value.
- Identified areas of improvement through detailed data analysis. Designed new business model, resulting in streamlined operations.
- Worked with the credit risk delivery team, developed and implementing the credit card strategy.
- Led weekly meetings with the client to understand the business problems, structure the problem and provide estimated delivery time. Also present the results of ongoing/completed analysis with stakeholders via presentations and JIRA boards.
- Conceptualized and built SAS reporting frameworks for multiple ECM programs to track campaigns performance and effectively track attributable revenue and multiple KPIs.
Business analyst
EXL Services
Gurgaon, India
02.2016 - 09.2017
- Implemented a rule-based SAS decision engine to segment customers according to risk grades. Optimized the process to reduce run-time.
- Conducted User Acceptance testing as a part of the Risk Management Systems team which was under the Credit Risk Operations office for our Banking client.
- Created pivot tables and charts, generated reports on a weekly, monthly, and quarterly basis using SAS & SQL
Education
BE - Chemical
Thapar University
07.2011 - 06.2015
Skills
- Credit Decisioning, Automation & Optimization
- Senior Stakeholder Management
- Banking: Retail, Products, Cards, Mortgages & Payments
- Fluent with Agile & Incremental methodologies
- Delivery Focused, hands-on & proactive
- Business and Technical Change & Transformation
- SAS Programming & Data validation
- AWS Cloud Migration
- Python & SQL for Data Extraction and analysis
- Visualization Dashboards using Tableau & Power BI
- Credit Risk & Marketing Analytics Strategist
- Client relations expertise
Certification
- Base SAS Programmer Certification (2016) Cleared the Base SAS programmer certification test by EXL services
- Tableau Certification (2020) Successfully Passed Tableau client certification
INTERESTS
Music, Chess, Cricket, Sudoku
HONOR AWARDS
Employee of the Quarter Award (01/2018 - 03/2018) EXL Services Awarded for the ability to handle a new project with minimal guidance, Client Rating (5/5) Received top rating from client for timely completion of project and high quality deliverables.
Timeline
Engagement manager
EXL Services
07.2024 - 11.2025
Senior manager
EXL Services
07.2022 - 06.2024
Manager
EXL Services
04.2021 - 06.2022
Assistant manager
EXL Services
04.2019 - 03.2021
Senior business analyst
EXL Services
10.2017 - 03.2019
Business analyst
EXL Services
02.2016 - 09.2017
BE - Chemical
Thapar University
07.2011 - 06.2015