Its Me

NAGUR BEGUM SHAIK

Analytics & Finance Professional | Credit Risk

Financial Data Analytics | Business Intelligence

Authorized to work on OPT (STEM Extension Eligible)

PROFESSIONAL SUMMARY

Results-driven Analytics & Finance professional with 6+ years of experience in commercial lending, credit underwriting, portfolio risk management, and financial statement analysis at a major public sector bank. Currently pursuing a Master’s in Business Analytics at Iowa State University (GPA 3.6, May 2026), combining deep finance expertise with advanced skills in Python, SQL, Tableau, and machine learning. Proven ability to translate complex data into actionable insights that drive sound credit decisions and business performance. First-place winner, U.S. Bank JAM Competition (Financial Strategy & Analytics).

CORE SKILLS

Analytics & Tools

Python, R, SQL, Tableau, Power BI, Excel (Advanced), Machine Learning, Statistical Modeling

Finance & Risk

Credit Risk Analysis, Financial Modeling, Portfolio Management, Credit Underwriting, Financial Statement Analysis

Banking & Compliance

Commercial Lending, Loan Processing, Regulatory Compliance, Risk Frameworks, AML/KYC

Soft Skills

Data Storytelling, Cross-functional Collaboration, Team Leadership, Stakeholder Reporting

EDUCATION

Master of Science

Business Analytics

Iowa State University,
Ames, Iowa
GPA: 3.6/4.0
Expected May 2026

Post Graduate Diploma

Banking & Finance

Manipal Academy of Higher Education
Bengaluru, India
GPA: 3.7/4.0

B.Tech.

ECE Engineering

Electronics & Communication
JNTUK University
Andhra Pradesh, India
GPA: 3.4/4.0

PROFESSIONAL EXPERIENCE

Digital Accessibility Teaching Assistant

Learning & Development, Ivy College of Business, Iowa State University

Mar 2026 – May 2026 | Ames, IA

Provided hands-on instructional support to faculty during digital accessibility workshops and drop-in sessions, assisting 10–25 participants per session with accessibility improvements in Microsoft Word, Excel, PowerPoint, and Canvas.
Applied the Digital Accessibility Toolkit and institutional Knowledge Base to guide faculty in implementing accessibility standards including heading structures, alt text, color contrast, and proper table formatting.
Assisted with collecting feedback and learning outcome metrics to support continuous improvement of accessibility training programs.
Translated complex technical accessibility standards into clear, actionable guidance for faculty with varying levels of technical experience, leveraging prior training and compliance expertise from banking leadership.

Finance Tutor

Athletics Academic Department, Iowa State University

2025 – 2026 | Ames, IA

Delivered one-on-one and group tutoring in Principles of Finance to 10+ student-athletes, improving average assessment scores by ~15%.
Tracked academic progress and maintained structured compliance reporting in coordination with academic advisors.

Research Assistant

Information Systems & Business Analytics, Iowa State University

2024 – 2025 | Ames, IA

Analyzed large datasets (10,000+ records) using Python, SQL, and Excel to uncover trends and support strategic decision-making.
Built forecasting and performance evaluation models that reduced manual reporting effort by 30%.
Delivered data insights to faculty stakeholders through interactive Tableau and Power BI dashboards.

Branch Manager

Indian Bank (Public Sector Bank, ~$10B AUM)

2018 – 2024 | India

Led credit evaluation and underwriting for a retail, SME, and commercial loan portfolio exceeding $5M+, analyzing borrower financials, cash flows, and collateral to determine creditworthiness.
Managed and monitored a diverse loan portfolio of 200+ accounts, identifying early warning indicators of credit deterioration and reducing NPAs by implementing proactive corrective actions.
Conducted comprehensive financial ratio analysis and credit risk assessments, maintaining full compliance with RBI regulatory guidelines and internal credit policies.
Monitored delinquent and high-risk accounts and executed recovery strategies that improved loan repayment performance by 20%+.
Prepared detailed credit reports and recommendations presented to regional credit committees and senior management for loan approvals.
Utilized banking core systems and data tools to track loan performance KPIs, risk indicators, and customer financial health across the portfolio.
Led a cross-functional team of 8 staff to consistently achieve quarterly business targets while maintaining strong credit quality metrics.

Admin Manager

Mind Yard Software Solutions

2013 – 2016 | India

Reconciled financial transactions and maintained documentation controls, reducing discrepancies by 25%.
Built workflow tracking systems that improved operational accuracy and reduced reporting turnaround by 2 days.
Supported compliance and internal process audits with zero major findings across 3 annual reviews.

ACADEMIC PROJECTS & ACHIEVEMENTS

AI-Powered Fraud Detection — Financial Services

Python, ML, Ensemble Modeling

View

Built an AI-driven fraud detection framework using behavioral modeling and ensemble ML (Random Forest, XGBoost), achieving 92%+ detection accuracy while reducing false positives by 35%.

Stock Market Forecasting with Price Trends & Sentiment

Python, NLP, Time-Series

Developed time-series and ML forecasting models integrating market data and news sentiment analysis, improving short-term stock prediction accuracy by 18% over baseline models.

Predicting Cardiovascular Risk Using Machine Learning

Python, Logistic Regression, XGBoost

Built predictive models across 3 algorithms (Logistic Regression, Random Forest, XGBoost) on 70,000+ patient records to identify high-risk patients with 88% accuracy.

Simple Banking System — Python OOP

Python

Designed a Python-based banking application simulating real-world transactions, loan processing, and risk controls using object-oriented design principles.

U.S. Bank JAM Competition

1st Place