Ayesha Khatun
Risk Manager @Bajaj Finserv
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WORK HISTORY
Risk Manager @Bajaj Finserv
Pune, IN
Driving credit risk strategy across origination, portfolio monitoring, and collections to balance growth with asset quality. • Designed and executed underwriting strategies, scorecard performance monitoring, and fraud risk models to strengthen credit decisioning. • Built early warning frameworks (roll rate, cure rate, loss rate analysis) to proactively identify at-risk segments and minimize NPAs. • Developed collection strategies based on customer risk segmentation, improving recovery while lowering costs and enhancing customer experience. • Implemented affluence scoring, household ID, and segmentation models to refine targeting and reduce risk exposure. • Prepared scenario-based stress testing, delinquency forecasting, and default analysis to support senior management in strategic decision-making. • Led data-driven campaign designs (urban vs rural, high-ticket vs low-ticket) aligned with risk appetite and growth objectives. • Automated risk MIS dashboards and KPI reporting in Excel, Tableau, and Power BI, enabling real-time insights for stakeholders. • Partnered with cross-functional teams to align credit policies with regulatory guidelines and business strategy, ensuring compliance and sustainable growth.
EDUCATION
Savitribai Phule Pune University
Master of Business Administration - MBA, Finance
ABOUT AYESHA KHATUN
I am a Risk Manager at Bajaj Finance Limited with expertise in credit risk management, portfolio monitoring, and fraud prevention across banking and financial services. I specialize in building data-driven risk strategies that balance growth with asset quality and regulatory compliance.My experience spans: • Credit Risk Strategy: Designing underwriting models, developing scorecards, and building early warning frameworks (roll rate, cure rate, loss rate analysis) to minimize NPAs. • Portfolio Monitoring & Collections: Creating data-driven segmentation strategies that improve recovery rates while reducing costs and enhancing customer experience. • Data Analytics & Modeling: Skilled in SQL, Python, SAS, PySpark, Tableau, and Power BI to build predictive models, KPI dashboards, and credit utilization insights. • Data Quality & Automation: Developed centralized repositories, validation rules, and automated reporting processes to ensure high data accuracy and efficiency. • Cross-Functional Collaboration: Partnering with business, compliance, and analytics teams to implement sustainable risk policies and improve decision-making.Passionate about using advanced analytics and machine learning to strengthen credit strategies, enhance customer engagement, and drive business impact.
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