Aditi Datt

About Aditi Datt

My work involves analyzing borrower behavior, identifying credit risk patterns, and ensuring that our lending decisions are not only data-driven but also compliant with regulatory standards.Every day, I dive deep into customer credit profiles, transactional behavior, and portfolio trends to uncover early warning signals and prevent potential defaults. I work closely with cross-functional teams to implement policy-level checks, reinforce internal controls, and enhance risk mitigation strategies — especially in today’s fast-evolving credit landscape.With a foundation rooted in financial analysis, risk evaluation, and operational controls, I’m currently expanding my skill set into data analytics tools like SQL and Power BI, aiming to bridge traditional credit control with modern, tech-enabled decision-making to safeguard the bank’s portfolio.

Experience

1. Location Manager

   HDFC Bank

   Jan 2025 — Present · Mohali district, IN

   Dedicated Finance Professional (MBA - Finance) currently working with HDFC Bank in the Fraud and Risk Management Department. Experienced in handling risk assessment, fraud detection, and credit monitoring across MEG (Micro, Emerging & Government), Agriculture, and Home Loan portfolios. Skilled in identifying potential risk indicators, ensuring regulatory compliance, and supporting credit quality and portfolio integrity.Previously completed an internship in the Working Capital (BBG Division) at HDFC Bank, gaining practical exposure to credit appraisal, financial statement analysis, loan structuring, and customer due diligence. Demonstrates strong analytical ability, attention to detail, and commitment to maintaining ethical banking standards and operational accuracy.

Education

• Chitkara University

  Bachelor of Pharmacy, Pharmaceutics and Drug Design

  2016 — 2020

• Guru Nanak Dev University, Amritsar

  Master of Business Administration - MBA Finance, Finance and Financial Management Services