---
title: "Harsh Mishra - Product & Business Consulting Lead in Chandigarh | Tal"
description: "Meet Harsh Mishra, Business Analytics & Risk Professional | Ex-JPMorgan Chase | MBA Business Analytics (IBM Certified) | Python · JIRA· SQL · Power BI | Open to Analytics, Consulting & FinTech Roles based in Chandigarh. AI stack includes claude, kimi, and langgraph."
image: "https://tal.club/meet/harsh-123/share-image"
---

# Harsh Mishra on Tal

## Headline

Business Analytics & Risk Professional \| Ex\-JPMorgan Chase \| MBA Business Analytics \(IBM Certified\) \| Python · JIRA· SQL · Power BI \| Open to Analytics, Consulting & FinTech Roles

## About

I'm a Business Analytics & Risk professional with 3\+ years at JPMorgan Chase, where I led risk indicator tracking, credit analytics, and compliance operations across APAC & EMEA — reducing compliance exceptions by 20% and achieving 100% audit compliance in FY22\. Currently completing my MBA in Business Analytics & Finance at Chandigarh University \(IBM Certified\), with a thesis on the systemic impact of Decentralised Finance \(DeFi\) on traditional banking — which means I sit at the intersection of financial services, data strategy, and emerging technology\. My core toolkit: Python · SQL · Power BI · Tableau · IBM Cognos Analytics · SPSS Modeler — applied across credit risk modelling, customer segmentation, KPI dashboard automation, variance analysis, and regulatory reporting\. Beyond corporate roles, I co\-founded Illusstream Solutions, where I led end\-to\-end client consulting engagements in analytics and automation for SMEs — managing full delivery lifecycles, stakeholder alignment, and measurable outcomes including a 35% improvement in client reporting efficiency\. Key projects I'm proud of: → Churn Prediction Model \(C5\.0 & CHAID, 87% accuracy\) — credit default early\-warning framework → Customer Segmentation System \(K\-Means\+\+ · RFM · Python\) — risk profiling and offer targeting → Financial Sales & KPI Dashboard \(IBM Cognos · Power BI\) — 40% reduction in reporting time → Market Basket Analysis \(Apriori · SQL\) — cross\-sell optimisation, 9% uplift in transaction value What I'm looking for: → Business Analyst / Analytics roles in banking, fintech, or consulting → Risk Analytics, Compliance Testing, or Decision Sciences positions → Consulting roles bridging data fluency with stakeholder advisory Open to relocation across India\. Available immediately post\-MBA\. Let's connect if you're building data\-first teams in financial services, consulting, or tech\. 📩 mishraharsh\.1138@gmail\.com \| \+91 9616\-066\-922

## Location

Chandigarh

## AI stack

claude

kimi

langgraph

langsmith

midjourney

notebooklm

## Work experience

Product & Business Consulting Lead at Illusstream, Apr 2024 \- Aug 2024 · 5 mos, Unnao, Uttar Pradesh, India, Led end\-to\-end client consulting engagements across analytics, automation, and custom software delivery for SMEs and startups — managing the full lifecycle from requirement gathering and scope planning through to execution, QA, and post\-delivery review\. • Improved client reporting efficiency by 35% through design and implementation of KPI dashboards and automated business reporting frameworks using Power BI, SQL, and Python; standardised project workflows reducing delivery turnaround by 20% across cross\-functional teams\. • Conducted market research and financial feasibility analysis for AI\-driven analytics products targeting Indian enterprises; supported investor readiness activities including pitch deck preparation, product roadmap planning, and startup incubation applications\. • Delivered data\-driven business recommendations and operational insights to C\-suite stakeholders across 8\+ concurrent client engagements; managed client expectations, escalated risks proactively, and maintained full visibility across multiple delivery timelines\. • Coordinated cross\-functional teams of developers, analysts, and designers — bridging technical and business stakeholders to ensure on\-time, on\-spec delivery\.

Corporate Analyst at JPMorganChase, Dec 2020 \- Jun 2023 · 2 yrs 7 mos, Led risk indicator tracking and portfolio trend monitoring across APAC & EMEA, delivering variance analysis and credit performance forecasting that reduced compliance exceptions by 20% and supported data\-driven policy decisions at the regional level\. • Built statistical models — regression, decision\-tree logic, and K\-Means customer segmentation — to identify risk concentrations and forecast credit performance; produced model documentation and process governance artefacts aligned to enterprise risk policy standards\. • Executed data reconciliation and audit support including direct response to auditor queries on plan provisions and valuation results; achieved 100% audit compliance in FY22 across all assigned portfolios\. • Developed risk monitoring dashboards and executive reporting frameworks in Python and Excel VBA, improving reporting turnaround by 15% and saving 120\+ hours annually\. • Coordinated with Technology, Compliance, and Regional Business teams on regulatory reporting across vintage, product, and channel segments for APAC & EMEA regions\. • Standardised data definitions and process documentation to improve governance, audit transparency, and cross\-functional operational consistency across the analytics function\. • Analysed end\-to\-end data flows and delivered process maps that improved operational transparency and reduced manual handoffs across reporting workflows\. Skills: Python · SQL · Excel VBA · Risk Analytics · Regulatory Reporting · Audit Compliance · Variance Analysis · Credit Risk · Data Reconciliation · APAC/EMEA Operations · Stakeholder Management

Statistical Analyst at Hygronik Co\., Apr 2020 \- Aug 2020 · 5 mos, Analysed financial and operational data across 5\+ departments to support budgeting, forecasting, and KPI tracking for an early\-stage technology company\. • Designed SQL\-based relational data models enabling integrated and scalable reporting, reducing data retrieval time by 30%\. • Applied regression analysis and hypothesis testing to support product cost analysis and financial feasibility assessments, directly influencing 2 key strategic product decisions\. • Built KPI tracking frameworks in collaboration with cross\-functional department heads, enhancing performance visibility and enabling faster data\-driven decision\-making\.

## Education

Master of Business Administration \- MBA, Business Analytics, CHANDIGARH UNIVERSITY

Bachelor of Science, Applied Mathematics, Chhatrapati Shahu Ji Maharaj University \(CSJMU\), Kanpur

[View the original profile](https://tal.club/meet/harsh-123)

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