Headline

Process Risk Analyst at Aditya Birla Finance | Credit Risk · MIS Reporting · Python · SQL · Power BI · Excel | Dashboard Automation | Turning Portfolio Data into Risk Decisions | NBFC | NPA · ECL

About

I'm Harshit Mahajan, a Process Risk Analyst at Aditya Birla Finance Ltd. with 3 years of experience converting raw portfolio data into risk decisions that actually move the needle — across unsecured and secured lending books. My edge is the intersection of credit domain depth and hands-on analytics. I don't just build reports; I build systems that make risk monitoring faster, more accurate, and self-sustaining — so teams spend less time pulling numbers and more time acting on them. 🧩 What I Do I own end-to-end MIS reporting infrastructure — vintage analysis, roll-forward studies, resolution trackers, and NPA/GNPA dashboards — built on Python, SQL, and Power BI (DAX). These pipelines have cut manual reporting effort by up to 50% while improving accuracy and turnaround across weekly and monthly cycles. I design IND AS 109-aligned Stage 1/2/3 monitoring frameworks that track DPD bucket movement, SMA 0/1/2 classification, slippage and cure rates, and policy trigger breaches — giving leadership an early, quantified view of portfolio stress before it becomes a problem. I build interactive Power BI dashboards that consolidate portfolio KPIs, early warning signals (EWS), and collection efficiency metrics into a single executive view — replacing static decks with live, drill-down visibility. I translate complex delinquency trends, ECL movements, and stage migration patterns into clean management presentations — bridging the gap between analytical output and strategic decision-making at the leadership level. ⚙️ How I Think About Risk Good risk management is fundamentally a visibility problem. My framework is simple: Detect early — through leading indicators, DPD trends, and automated EWS alerts before stress becomes NPA. Quantify precisely — using statistical analysis, roll-rate modelling, PD/LGD/EAD frameworks, and trend analysis in Python. Communicate clearly — through dashboards and decks that turn a SQL output into a narrative leadership can act on in the same meeting. I take the most pride in simplification — making a roll-forward framework that a collections head can interpret in 30 seconds, or a vintage chart that predicts cohort stress six months before it surfaces in the NPA line. 🚀 What I'm Building Toward I'm deepening my work at the intersection of credit risk, data engineering, and business intelligence — with a longer-term focus on predictive risk modelling, scorecard development, and building analytics infrastructure that scales with portfolio growth.

Location

Bengaluru

Work experience

Process Risk Analyst at Aditya Birla Finance Limited, Jul 2023 - Present · 3 yrs, Bengaluru, Portfolio Risk Monitoring & Analytics • Engineered roll-forward and vintage analysis frameworks tracking DPD bucket movement, Stage 1/2/3 transitions under IND AS 109, and cohort-level recovery behaviour — enabling early stress identification and data-driven intervention by credit and collections leadership. • Developed NPA/GNPA monitoring reports covering SMA 0/1/2 classification, slippage rates, cure rates, provision coverage, and RBI policy trigger breaches — giving risk teams a clear weekly view of stressed asset movement. • Performed roll-rate modelling and Python-based trend analysis (Pandas, NumPy) to quantify stage migration velocity, flag high-risk cohorts, and support ECL modelling inputs including PD, LGD, and EAD estimation. MIS Reporting & Automation • Engineered end-to-end MIS pipelines using Python and SQL — replacing manual processes and reducing reporting effort by 40–50% while improving accuracy and turnaround across weekly and monthly cycles. • Built portfolio summaries, roll-forward reports, resolution trackers, and delinquency dashboards used as primary inputs for senior management and risk governance reviews. • Designed advanced Excel models with dynamic pivot structures and automated refresh mechanisms for recurring risk and operational reports. Dashboard Development & BI • Architected Power BI dashboards (DAX) consolidating portfolio KPIs, EWS alerts, collection efficiency, and resolution trends — cutting manual review time by 30–40% and enabling real-time executive visibility. Stakeholder Collaboration & Governance • Collaborated with credit, collections, operations, and IT teams to strengthen data governance and embed upstream controls that prevent losses before surfacing in NPA lines. • Synthesised delinquency trends, ECL movements, and stage migration patterns into MIS decks for senior leadership, directly informing risk strategy and collections policy decisions.

Education

Data Science Career Bootcamp, Simplilearn Alumni

Bachelor of Technology - BTech, Electronics and Communications Engineering, Aryabhatta Knowledge University, Patna