Deepak Kumar
Risk Manager | Retail & Portfolio Risk | Policy, Asset Quality | BFSI | Data-Driven Risk | Data Science.Ex- Kotak, Ex- Poonawalla
- Role
- Risk Manager at IDFC FIRST Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Deepak Kumar
I am a Risk Management professional with 4+ years of experience in BFSI, specializing in Retail Banking Risk, Portfolio Monitoring, Asset Quality, and Policy & Risk Frameworks. My work sits at the intersection of risk strategy, analytics, and business decision-making, enabling organizations to proactively identify, measure, and mitigate risks.Currently, I work across portfolio risk assessment, delinquency monitoring, and risk analytics, supporting leadership with actionable insights for credit, collections, and policy decisions. I have hands-on experience in risk appetite monitoring, product-level risk analysis, asset quality reviews, and regulatory reporting support, aligned with enterprise risk frameworks. Key Contributions:• Built risk scoring and segmentation models to identify high-risk portfolios, locations, and customer segments• Conducted asset quality and delinquency trend analysis to support risk mitigation strategies• Supported risk reporting for senior management, including dashboards and risk summaries• Developed pre-delinquency and early-warning models, reducing bounce rates and improving portfolio performance• Partnered with credit, operations, legal, and business teams to align risk policies with business objectivesMy strength lies in translating complex risk data into clear, decision-ready insights, enabling strong governance, risk coverage, and sustainable growth. Core Areas: Retail & Portfolio Risk | Policy & Risk Frameworks | Asset Quality | ERM | BFSI Risk Analytics Tools: Power BI, SQL, Python, ExcelI am open to connecting with risk, policy, and banking professionals and contributing to organizations focused on building strong, risk-aware cultures.
Experience
Risk Manager
Mar 2026 — Present · Mumbai, IN
Education
Indore School of Social Work, ISSW, Indore
Postgraduate Degree, Human Resources Management/Personnel Administration, General
Maharishi Vidya Mandir, Bhopal
High School
2011 — 2012
School of Data Science and Forecasting | DAVV University (NAAC Grade: A+)
Master of Technology - MTech, Data Science
Ujjain Engineering College, Sanwer Road, Ujjain
Electrical engineering, Electrical Engineering Technologies/Technicians
2014 — 2018
M.T.M convent H.S School
higher secondary, Mathematics
2013 — 2014
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