Abhijith Krishna Kumar
Credit Risk Analyst (HDFC Bank) | Model Validation, Scorecards, Digital Lending | Portfolio & NPA Analytics | Python, SQL, Azure
- Role
- Credit Risk Analyst at HDFC Bank
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Abhijith Krishna Kumar
Credit Risk & Fintech Analytics ProfessionalSpecializing in model validation, risk strategy, and digital lending optimization across retail and fintech ecosystems. Analytical Problem SolverTranslating business needs into data-driven risk solutions, automated decision engines, and portfolio insights that improve conversion, reduce losses, and enhance customer experience. Self-Starter With Cross-Functional ImpactComfortable leading end-to-end initiatives across risk, product, data engineering, and analytics teams. Key Skills Highlights Credit Risk & Model ValidationExperience validating and recalibrating scorecards, collections models, and challenger frameworks aligned with regulatory and fintech risk standards. Digital Lending & Decision EnginesBuilt and optimized rule-based engines for Auto Loans, & Refinance journeys—boosting STP rates and strengthening fraud controls. Portfolio & NPA AnalyticsEarly warning insights, trend monitoring, segmentation, and performance tracking to support data-driven risk decisions. Cloud & Data PipelinesWorked with Azure Data Lake and BI dashboards (Power BI, Tableau) for risk reporting and monitoring.🧠 Tech StackPython • SQL • R • Power BI • Tableau • Excel (VBA) • Azure🤝 Fintech CollaborationCross-functional stakeholder engagement across product, engineering, underwriting, fraud, and analytics to deliver scalable digital credit solutions.
Experience
Credit Risk Analyst
Jun 2021 — Present · Bengaluru, IN
Education
T.A.Pai Management Institute, Manipal
Post Graduate Diploma in Management, Finance, IT and Analytics
2019 — 2021
Indian Institute of Management Tiruchirappalli
PGCBF, Banking and Finance
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