---
title: "Harshit Mahajan - Process Risk Analyst in Bengaluru | Tal"
description: "Meet Harshit Mahajan, 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 based in Bengaluru."
image: "https://tal.club/meet/user-4289/share-image"
---

# Harshit Mahajan on Tal

## 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

[View the original profile](https://tal.club/meet/user-4289)

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