Analytics With Rajat

The personal highlight on my birthday, 3rd August this year, was my visit to this place in Goa.

The kids are labourers’ children. When those labourers go for work, daily-wage jobs, construction sites, etc., they drop their kids at this NGO as they can’t afford a crèche. And 90% of these kids have never been to school, so this NGO teaches them free of cost and feeds them 2 times a day.

Few kids who have been abandoned by their parents are also part of this group. The NGO provides them free shelter as well.

I am sharing this moment from that 1 so-called day out of those 365 days in a year, and trust me, happiness could not have been multiplied by the count of each kid.

I wish them all the happiness in the world and more power and luck to their parents indeed.

Thank you for reading, everyone. ❤️

1 day ago | [YT] | 9

Analytics With Rajat

🎉 Marking 2 Amazing Years on YouTube!

Today, I’m completing 2 amazing years on YouTube, and honestly, I couldn’t be happier. ❤️

What makes this journey truly special is knowing that my content has helped many people crack interviews and clear important rounds.


Every time I receive a message saying:
“I cracked Wells Fargo/JPMC/HSBC rounds using your videos!” that becomes my biggest motivation to keep creating. 😁

The views, subscribers and numbers are great, but knowing that my knowledge helped someone achieve their career goal is the real reward. 🙌

Cheers to 2 years of learning, sharing and growing together! 🥂

I promise to keep giving more and more, and sharing whatever knowledge and experience I hold.

Happy Learning! 🚀📚

#rajatkumar
#YouTube #2YearsOnYouTube #Learning

2 days ago | [YT] | 6

Analytics With Rajat

Today, I celebrate not just my birthday, but another year of learning, resilience, and continuous growth.

A heartfelt thank you to all my managers, mentors, colleagues, friends, and family who have guided, challenged, trusted, and supported me throughout my journey. Every conversation, every piece of feedback, and every opportunity has helped shape who I am today.
I'm grateful for the experiences so far and excited for what lies ahead.
Here's to learning more, creating more impact, and helping others grow along the way.

Thank you for being part of my journey. 🙏
#HappyBirthday #Gratitude #Leadership #Mentorship #Learning #GrowthMindset #CareerJourney #Banking #Analytics #AI #ProfessionalGrowth #LinkedIn

1 week ago | [YT] | 8

Analytics With Rajat

Step-by-step self-introduction you must use in interviews.

Easy Formula to Remember
●●●●●●●●●●●●●●●●●●●●●●
Greeting → Name → Education → Experience → Skills → Achievement → Career Goal → Thank You
●●●●●●●●●●●●●●●●●●●●●●

Step 1. Greet the interviewer
"Good morning/afternoon. Thank you for giving me this opportunity."

Step 2. Tell your name
"My name is Rajat Kumar."

Step 3. Mention your education
"I completed my Bachelor's degree in ______ from ______ University."

Step 4. Talk about your experience (or fresher status)

a. If experienced:
"I have ___ years of experience in ______. Currently, I work at ______, where I am responsible for ______."

b. If fresher:
"I am a fresher and have completed internships/projects in ______."

Step 5. Mention your key skills
"My key skills include SQL, Python, Excel, SAS, Model Validation, and problem-solving."

Step 6. Share one or two achievements
"Recently, I received a Spot Award for my performance and consistently deliver quality work within deadlines."

Step 7. Explain why you're interested
"I am looking for an opportunity where I can learn, take on challenging projects, and grow professionally while contributing to the organization's success."

Step 8. End confidently
"That's a brief introduction about me. Thank you."
●●●●●●●●●●●●●●●●●●●●●●●●●●●
High-impact endings you can use:
"I believe my skills and mindset will help me add value to your team from day one, and I'm excited about this opportunity." ⭐

2 weeks ago | [YT] | 3

Analytics With Rajat

LGD, Realized LGD & Adjusted LGD — Three Metrics, Three Perspectives.

📌 LGD → Expected loss at the time of default.
📌 Realized LGD (RLGD) → Actual loss after recoveries are completed.
📌 Adjusted LGD → LGD adjusted for downturn or stress scenarios.

In simple words:
✅ LGD = What we expect to lose
✅ RLGD = What we actually lose
✅ Adjusted LGD = What we may lose in adverse conditions

Understanding the difference is essential for credit risk modelling, provisioning, capital calculation, and model validation.

#CreditRisk #LGD #RealizedLGD #RiskManagement #Banking #Basel #CreditModeling #Finance #rajatkumar

4 weeks ago | [YT] | 4

Analytics With Rajat

When you get demotivated, always remember:
You are more than your targets.
More than your appraisal rating.
More than the unread emails in your inbox.

Share this with people, For whom you actually care.

"When you log out of Outlook,
make sure you log back into being human 🎭🤘"

#CorporateLife #WorkLifeBalance #LifeBeyondWork #rajatkumar

1 month ago (edited) | [YT] | 6

Analytics With Rajat

B2B vs B2C Credit Risk 🤫

Many people think credit risk is just about checking whether someone will repay a loan. In reality, the assessment is very different for businesses and individual customers.

🏢 B2B Credit Risk (Business to Business)
Evaluate companies instead of individuals
Focus on financial statements, cash flow, leverage, and industry outlook
Larger ticket sizes with fewer borrowers
Each default can have a significant financial impact

👤 B2C Credit Risk (Business to Consumer)
Evaluate individual borrowers
Focus on credit score, income, employment, and repayment history
Smaller ticket sizes but a much larger customer base
Decisions are highly automated using scorecards and machine learning


Key takeaway:
📌 B2B = Deep analysis of fewer, larger exposures.
📌 B2C = Fast, data-driven decisions for millions of customers.

Understanding this distinction is essential for anyone starting a career in Risk Management, Banking, or Financial Analytics.

What other credit risk topics would you like me to simplify next?

#CreditRisk #RiskManagement #Banking #Finance #B2B #B2C #FinancialRisk #CreditAnalytics #rajatkumar

1 month ago | [YT] | 3

Analytics With Rajat

🙏 Gratitude

1 month ago | [YT] | 4

Analytics With Rajat

Knowledge creates value only when it's put into action.

1 month ago | [YT] | 3

Analytics With Rajat

Every testimonial reminds me why I started in the first place. 💙

When someone says they got answers to every question they had, it means more than any number or milestone.

Thank you, Mr. Goyal, for your kind words and trust. Wishing you all the success in your career ahead!

If I can help you gain clarity, avoid common mistakes, and accelerate your career journey, my DMs are always open.

#Mentorship #CareerGrowth #CareerAdvice #LinkedIn #Learning #ProfessionalGrowth #Topmate #RajatKumar

1 month ago | [YT] | 2