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Amrutha Gabbita

Data product leader across risk, fraud, card, payments and enterprise data analytics.

5+ years in banking and finance. I own data products end to end, bridge business and engineering, and deliver data that cuts manual work, reduces losses and gives leadership one trusted view of risk.

See my projectsView resume
Portrait of Amrutha Gabbita in a dark blazer, smiling, in an office with a city skyline behind her

Impact in numbers

years in banking and finance data
5+
enterprise data products led at First Citizens Bank
4
small business clients brought into one portfolio view
~117K
in hard hold losses reduced by closing a control gap
~$68K
hours a day of manual Excel work automated
~4

Projects

The data products I've led at First Citizens Bank. Each diagram walks through the work step by step and shows my role.

First Citizens Bank · Enterprise Cards · Sep 2025 – Oct 2026

PRA Mart (Payment & Risk Analytics)

  • ~117,000 clients
  • ~300 attributes traced
  • 2 banks → 1 mart

After the merger, Silicon Valley Bank and First Citizens data sat on separate platforms. SVB already had a mart for portfolio monitoring; First Citizens didn't. Its business owners ran long, complex queries through layers no one could trace to get delinquencies, charge-offs, card counts, deposits, loans and financials.

From untraceable queries to one trusted mart

Select a step to see my role

Step 1 of 5 · My role

Business owners pieced together portfolio data from long queries over layers whose sources no one could trace.

Impact for the bank

  • First Citizens now has the portfolio-monitoring mart SVB already had, and both banks' data sits in one place covering ~117,000 First Citizens small business clients.
  • Long, untraceable queries replaced by governed views where every one of ~300 attributes traces to its source.
  • Risk teams monitor delinquency and charge-offs from one view, and spend trends help marketing target card offers.
  • Delivered in ~10 months, followed by 1 month of hypercare.
Read the full details
  • Traced the lineage of ~300 attributes the business relied on, back to their true sources.
  • Rebuilt the business logic on the bank's new unified data source.
  • Designed normalized views at company, customer, company-branch and company-associate level, then rolled them up into aggregated company card metrics (delinquency, charge-offs, open card counts, spend trends) and client financials (loans, deposits, EBITDA, net profit, current ratio).
  • Ran a gap analysis against SVB's existing PRA Mart so both banks' data could be consolidated in one place.

First Citizens Bank · Enterprise Cards · 2026

Debit Hard Hold

  • ~200 accounts a month covered
  • Losses of ~$68K reduced
  • Daily file to Hogan

Every secured savings account that backs a secured credit card needs a specific hard hold, so the deposit stays equal to the card's credit limit. When a new deposit system replaced the old one in early 2026, these holds stopped being added automatically, leaving ~200 new accounts a month needing manual action. The old review also skipped any account that already had a different type of hold, so some were missed.

How missing holds are caught every day

Select a step to see my role

Step 1 of 5 · My role

~200 new secured savings accounts a month needed the hold added manually, and some existing accounts were being missed.

~200 / month

Impact for the bank

  • Catches accounts the old review missed, so more accounts that need the hold are found and fixed.
  • Covers the ~200 new accounts a month that no longer get the hold automatically.
  • Reduces the losses caused by missing holds, which had reached ~$68,000 across 328 accounts from 2025 to October 2026.
Read the full details
  • Worked with business stakeholders to define screening criteria that find every account needing this hold, even when another type of hold is already on it.
  • Built the SQL logic that applies those criteria every day.
  • Delivered the results as a daily file the Hogan team uses to place the holds.

First Citizens Bank · Enterprise Cards · 2026

Hogan-to-Signature Core Banking Migration

  • ~7,000 active accounts
  • Deposits and loans sized
  • Validated 70% → 100%

Before moving ~7,000 active accounts from the Hogan core banking platform to Signature, leadership needed to know exactly how many customers, accounts, deposit dollars and loan dollars would move, so they could choose the right migration strategy.

How leadership got numbers it could trust

Select a step to see my role

Step 1 of 5 · My role

Scoped the active Hogan accounts in the migration.

~7,000 accounts

Impact for the bank

  • Leadership saw exactly how many customers, accounts, deposit dollars and loan dollars the migration would move.
  • Those numbers informed the most strategic approach to the migration.
  • The figures were validated with EY consultants, moving from a 70% to a 100% match, so leadership could rely on them.
Read the full details
  • Scoped the ~7,000 active Hogan accounts in the migration.
  • Identified which of those customers use payment and Treasury Management products.
  • Quantified the deposit and loan balances moving to Signature.
  • Validated these figures with EY consultants by reconciling deposit and loan balances against their dashboards, resolving data gaps until the two reports fully matched.
  • Reported customers, accounts, deposits and loans to leadership.

First Citizens Bank · Commercial Banking Enterprise Data & Analytics · Feb 2025 – Aug 2025

Global Fund Banking (GFB) Mart

  • ~4 hrs a day automated
  • 3 core data tables
  • QA and UAT through go-live

Fund banking teams exported reports from iLevel and rebuilt fund balances, commitments, limited partner details and cash transactions in Excel every day. It took about 4 hours a day, and every variance meant more hours of validation and spreadsheets passed back and forth.

From daily spreadsheets to an automated mart

Select a step to see my role

Step 1 of 5 · My role

Teams exported iLevel reports and recalculated balances, commitments and valuations in Excel every day.

~4 hrs / day

Impact for the bank

  • Replaced ~4 hours a day of manual Excel work with ready-to-use fund, limited partner and cash transaction data.
  • One source of truth instead of spreadsheets passed between teams, so far fewer variances to chase.
  • Audit-ready: outdated records are kept in reject tables instead of being lost, a design I proposed.
  • Business owners get an email when each load completes, so they know the data is current.
Read the full details
  • Anchored the project as the subject matter expert for business and engineering.
  • Turned business requirements into transformation logic and mapped how funds, limited partners, investors and cash transactions relate.
  • Profiled the data and presented interim models and sample data to business owners, showing how their requirements became table views on Oracle EDW, and obtained their sign-off before build.
  • Developed the mapping documentation and walked the engineering team through the business logic transformations, answering data questions from both sides.
  • Led QA, UAT and go-live, tracing each data issue to its source, documenting it, presenting findings to the right team and driving the fix.
  • Designed audit and alerting improvements: proposed reject tables that keep outdated records for audit and load-completion emails to business owners, which the engineering team built.

How I work

The qualities behind the work: how I lead, collaborate and follow through.

  • I own it, end to end

    When a data product is mine, I'm accountable for all of it: the requirement, the logic, the testing and what happens after go-live. If something is unclear or stuck, I don't wait for someone else to pick it up. I drive it to a decision.

  • I don't let go until it's right

    I'm relentless about getting the data right. When numbers don't line up, I keep digging, questioning assumptions and testing again until I understand why, because the business is going to make real decisions on what I deliver.

  • I keep everyone on the same page

    I talk to business stakeholders in their language and to engineers in theirs. I share sample data early, check in often and say plainly when something is at risk, so there are no surprises at sign-off.

  • It's never "not my job"

    Good work is a team effort, not one person's. When a teammate or stakeholder is stuck, I chip in, even when it's outside my scope, because the goal is the outcome, not the org chart.

  • I learn something every day

    I don't write production code, but I make a point of understanding how engineers build, what slows them down and why they make the choices they do. That makes my requirements sharper and my conversations with them faster.

  • People come to me with their questions

    Over time, business teams and engineers have come to see me as the person to ask when they're confused about the data or a decision. I take that trust seriously: I listen, find the answer, and follow through.

Skills and tools

Leadership

  • Data product ownership
  • Stakeholder management
  • Business–engineering liaison
  • Decision-making
  • Conflict resolution

Data delivery

  • Requirements gathering
  • Data profiling
  • Source-to-target mapping
  • Gap analysis
  • Agile / Scrum
  • UAT

Technical

  • SQL (Oracle EDW, Netezza)
  • ETL
  • APIs (Postman)
  • DB Visualizer
  • Jira
  • Confluence
  • Tableau
  • Python

Domain

  • Cards
  • Small business banking
  • Deposits
  • Payments
  • Treasury Management
  • Credit risk
  • Fund banking

Experience

  1. Sep 2025 – Present

    Product Analyst, Enterprise Cards

    First Citizens Bank

    • Data owner and subject matter expert for the Enterprise Cards portfolio: own new data requests, make data decisions and resolve questions between business and engineering.
    • Led the First Citizens and Silicon Valley Bank portfolio data consolidation (PRA Mart) covering ~117,000 small business clients and ~300 attributes.
    • Closed a debit hard hold control gap covering ~200 new accounts a month, reducing losses that had reached ~$68K across 328 accounts.
    • Led the Hogan-to-Signature migration impact analysis for ~7,000 active accounts, sizing the customers, deposits and loans moving for leadership.

  2. Feb 2025 – Aug 2025

    Data Analyst, Commercial Banking Enterprise Data & Analytics

    First Citizens Bank

    • Led requirements, mapping, UAT and go-live for the Global Fund Banking (GFB) Mart, replacing ~4 hours a day of manual Excel work.

  3. May 2021 – Jul 2023

    Analyst, Financial Planning & Analysis

    Deloitte

    • Built budgets, reports and Tableau dashboards; streamlined reconciliations, cutting reporting time 40%.

  4. Jul 2017 – Apr 2019

    Analyst

    HSBC

    • Managed client onboarding across due diligence, fraud, payment screening and AML; QA above 80% and the Rising Star award.

Education

  • MS, Business Analytics and Information Management

    Purdue University, Daniels School of Business, 2024

  • MBA, Finance

    Christ University, 2021

  • Bachelor of Commerce, Finance

    Jyothi Nivas College, 2017

Certifications

  • CSPO (2026)
  • Google Advanced Data Analytics (2025)
  • CSM (2024)
  • Tableau Desktop (2023)

Let's talk about your data product.

Email is the fastest way to reach me. Based in Los Angeles, CA.

Email g.amruthasainath@gmail.comLinkedIn profileView resume