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SAS/SQL analyst with 15 years experience
Simon Kwong
,
London, United Kingdom
Experience
Other titles
Skills
I'm offering
A versatile consultant having successfully delivered across technical and business functions over the last 15 years, comfortable with stakeholder management, credit risk strategy, affordability, advanced analytical coding via SAS/SQL, data warehousing and automation with a clear understanding of business impact and keen enthusiasm for coaching & development.
Markets
United Kingdom
Industries
Language
English
Fluently
Ready for
Larger project
Ongoing relation / part-time
Full time contractor
Available
My experience
2015 - 2019
job
Credit Risk Manager, Mortgage Acquisitions
Lloyds Banking Group.
(Contract)
• Lead on new lending initiatives across risk and products; from early concept and analysis to system implementation as well as testing on decision engine and intermediary website. Owner of the mortgage affordability and LEL model, coach/support for all levels of analyst, build data capabilities from SAS datasets containing up 100m records and drive working best practices across the department. Highlights include the following:
• Develop and implement major improvement within the income verification process; reduce operational load on a quarter of our direct mortgage customers leading to a more streamlined customer journey and shorter app to offer times.
• Principal analyst on new high LTI lending criteria which led to increase in annual lending by over £1bn whilst de-risking our overall portfolio; design external prediction model and market dashboard using CML/PBL data to highlight potential growth spots and monitor competition strategy.
• Resolve internal legacy system issue raised via external regulator; estimate impact, advise senior stakeholders on a highly sensitive issue across functions and implement system solution to close off risk impacts.
• Work with lending bureau to introduce FRESCO (customer segmentation) data capabilities and imbed new metrics and analysis into our strategic view.
• Integrate Scottish Widows data into core book format, reverse engineer application logic from flat files and rationalise with system support to allow strategic use of application data and ability to recreate all aspect of current lending decisions as per MMR standards and allow for single dataset integration.
• Lead on new lending initiatives across risk and products; from early concept and analysis to system implementation as well as testing on decision engine and intermediary website. Owner of the mortgage affordability and LEL model, coach/support for all levels of analyst, build data capabilities from SAS datasets containing up 100m records and drive working best practices across the department. Highlights include the following:
• Develop and implement major improvement within the income verification process; reduce operational load on a quarter of our direct mortgage customers leading to a more streamlined customer journey and shorter app to offer times.
• Principal analyst on new high LTI lending criteria which led to increase in annual lending by over £1bn whilst de-risking our overall portfolio; design external prediction model and market dashboard using CML/PBL data to highlight potential growth spots and monitor competition strategy.
• Resolve internal legacy system issue raised via external regulator; estimate impact, advise senior stakeholders on a highly sensitive issue across functions and implement system solution to close off risk impacts.
• Work with lending bureau to introduce FRESCO (customer segmentation) data capabilities and imbed new metrics and analysis into our strategic view.
• Integrate Scottish Widows data into core book format, reverse engineer application logic from flat files and rationalise with system support to allow strategic use of application data and ability to recreate all aspect of current lending decisions as per MMR standards and allow for single dataset integration.
Design, SAS, Integration, Website, Growth, Implementation, Support, Analyst, Testing, Coach, App, Logic, UP, Manager, LED
2014 - 2015
job
Principle Developer, Pricing
Direct Line Group.
(Contract)
• Lead developer on new data feeds for Risk Premium Modelling and Auto Renewal Management processes, investigate and resolve data anomalies, liaise with external clients and improve efficiencies using SAS.
• Develop bespoke tools for the wider department such as process to read in pseudo-xml hierarchical files and a batch process to automatically pause all UNIX jobs for the purpose of load management.
• Lead developer on new data feeds for Risk Premium Modelling and Auto Renewal Management processes, investigate and resolve data anomalies, liaise with external clients and improve efficiencies using SAS.
• Develop bespoke tools for the wider department such as process to read in pseudo-xml hierarchical files and a batch process to automatically pause all UNIX jobs for the purpose of load management.
XML, Unix, SAS, Management, Developer, Lead developer, Processes
2012 - 2013
job
Senior Analyst, Data Management
Barclays Bank.
(Contract)
• Liaise with credit risk to develop, design and automate key business MI and marts for SME portfolio via SAS 9.2 and Tivoli scheduler platform.
• Design and implement new fuzzy match merge logic linking application to originations data, improving analytical capabilities across the business teams.
• Develop new bureau submission for Experian, work with Business Analysts to raise anomalies, refine design and resolve queries. Build testing scenarios for change requests, implement an automated promotion process and manage progress via Quality Centre.
• Liaise with credit risk to develop, design and automate key business MI and marts for SME portfolio via SAS 9.2 and Tivoli scheduler platform.
• Design and implement new fuzzy match merge logic linking application to originations data, improving analytical capabilities across the business teams.
• Develop new bureau submission for Experian, work with Business Analysts to raise anomalies, refine design and resolve queries. Build testing scenarios for change requests, implement an automated promotion process and manage progress via Quality Centre.
Design, Data management, SAS, Management, Analyst, Testing, Logic
2008 - 2010
job
Credit Risk Analyst, Mortgage Team
The Co-Operative Bank.
Develop lending policy across the mortgage lifecycle through business specification, risk modeling and systems testing.
• Chairperson for the monthly credit risk liaison meetings involving external business stakeholders to manage rollout of credit risk policies, regularly working with external bodies such as the FSA & PBL.
• Lead long term project to branch credit risk into secured collections, successfully building a data and insight framework required to start a new function.
• Model risk to set product specific strategies for re-introduction into high LTV market providing an end to end solution that balances risk with operational limitations and capital requirements.
• Chairperson for the monthly credit risk liaison meetings involving external business stakeholders to manage rollout of credit risk policies, regularly working with external bodies such as the FSA & PBL.
• Lead long term project to branch credit risk into secured collections, successfully building a data and insight framework required to start a new function.
• Model risk to set product specific strategies for re-introduction into high LTV market providing an end to end solution that balances risk with operational limitations and capital requirements.
Analyst, Testing, Framework
My education
Salford University
BSc, Business Decision Analysis
BSc, Business Decision Analysis
n/a
Secondary, Mathematics
Secondary, Mathematics
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