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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
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
Simplilearn Alumni
Data Science Career Bootcamp
October 1, 2022 – February 1, 2023
Aryabhatta Knowledge University, Patna
Bachelor of Technology - BTech, Electronics and Communications Engineering
January 1, 2018 – September 1, 2022
Mahatma Gandhi College Darbhanga, Bihar
Intermediate (12th)
January 1, 2015 – January 1, 2017
Jesus & Mary Academy Darbhanga, Bihar
Matriculation (10th)
January 1, 2013 – January 1, 2015
Simplilearn
Master's Degree
N/A – Present
Aryabhatta Knowledge University, Patna
B.Tech. in Electronics & Communication Engineering
N/A – Present
Aditya Birla Finance Limited
Process Risk Analyst
July 1, 2023 – Present
Bengaluru · On-site
Data Science Masters Program
Simplilearn
June 25, 2026 – Present
Data Science with Python
Simplilearn
June 25, 2026 – Present
Internet of Things
ICT Academy, IIT Kanpur
June 25, 2026 – Present
Machine Learning Advanced Certification Training
Simplilearn
June 25, 2026 – Present
Data Science Career Bootcamp Capstone
Simplilearn
June 25, 2026 – Present
Speaking Confidently and Effectively
June 25, 2026 – Present
Amazon Echo Reviews Sentiment Analysis Using NLP
Coursera
June 25, 2026 – Present
Expert Tips for Answering Common Interview Questions
June 25, 2026 – Present
Excel Skills for Business Forecasting Specialization
Macquarie University
June 25, 2026 – Present
Excel Regression Models for Business Forecasting
Macquarie University
June 25, 2026 – Present
Programming with Python
ICT Academy, IIT Kanpur
June 25, 2026 – Present
SQL Training
Simplilearn
June 25, 2026 – Present
Improve Your Technical Communication Skills
June 25, 2026 – Present
Excel Time Series Models for Business Forecasting
Macquarie University
June 25, 2026 – Present
Business Analytics with Excel
Simplilearn
June 25, 2026 – Present
Statistics Essential for Data Science
Simplilearn
June 25, 2026 – Present
Programming in MATLAB
ICT Academy, IIT Kanpur
June 25, 2026 – Present
Python with Power BI: Analyzing Financial Data
Coursera
June 25, 2026 – Present
Judgmental Business Forecasting in Excel
Macquarie University
June 25, 2026 – Present
Tableau Desktop 10
Simplilearn
June 25, 2026 – Present
Data Analysis with Python
Coursera
June 25, 2026 – Present
NLP with Python for Machine Learning Essential Training
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Interpersonal Communication
June 25, 2026 – Present
Having Difficult Conversations: A Guide for Managers
June 25, 2026 – Present
Excel Basics for Data Analysis
Coursera
June 25, 2026 – Present
Cultural Fit Analysis
The candidate's background in risk analytics and data science bootcamp, coupled with numerous certifications in ML, NLP, and data tools, shows a strong drive for continuous learning and adaptation. The experience in a finance domain suggests an ability to work in structured, regulated environments. While the current role is not directly an ML Engineer position, the analytical and data-centric nature of the work, along with the explicit pursuit of ML-related certifications, indicates a clear aspiration and foundational alignment with an ML Engineer role. However, the lack of direct ML project experience might require a cultural fit with teams that support growth and transition.
Soft Skills & Operational Fit
The candidate's experience as a Process Risk Analyst involved significant stakeholder collaboration with credit, collections, operations, and IT teams, indicating strong interpersonal and communication skills. The role also required synthesizing complex data into actionable insights for senior leadership, demonstrating good presentation and strategic thinking. Certifications in 'Having Difficult Conversations' and 'Interpersonal Communication' further support these soft skills. The focus on process improvement and automation suggests an operational fit for roles requiring efficiency and data-driven decision-making.