Harsh Wardhan Dhaka

About Harsh Wardhan Dhaka

I find joy in the world of finance—a field where numbers tell stories and data drives decisions. My journey began at the University of Delhi, where I earned my B.Com. and developed a solid foundation in business principles. As I pursued my PGDM at Goa Institute of Management, I sought practical experience that would allow me to apply my academic learnings—this led me to an internship at Amazon.During my time at Amazon, I was fortunate enough to work on a project that recovered an impressive €14.5MM in lost Deal OPS. This experience wasn’t just about crunching numbers; it was about collaborating with diverse teams and refining financial models for ASIN selection and deal structuring. Spearheading this pilot project not only honed my problem solving skills but also fueled my passion for optimizing vendor performance and enhancing deal efficiency.Before Amazon, I had the opportunity to work as a Growth and Finance Strategy Manager at Label Yadaka. Here, I implemented a working capital management strategy that improved our cash conversion cycle by 15 days. This freed up vital capital for high-return marketing initiatives in the Indian market—a testament to how effective financial strategies can directly impact business growth.My professional journey started at EY as an Assurance Associate, where I facilitated audits for major U.S. clients. Analyzing trial balances and cash flow statements taught me the importance of accuracy and diligence in financial reporting—a skill set that remains crucial as I navigate through complex financial landscapes today.Outside of work, I\'m always eager to learn more about the industry—whether it\'s attending webinars or participating in finance-related discussions with peers. If you\'re looking for someone dedicated about financial modeling or credit risk analysis—or if you just want to chat about innovative strategies—feel free to reach out via email h••••••••@gmail.comSkills- Financial Modeling- Credit Risk Analysis- Data-Driven Decision Making- Working Capital Management- Performance Optimization

Experience

1. Management Trainee - Credit Analyst

   TVS Credit Services Ltd.

   Jun 2025 — Present

   Performed credit risk analysis on customer demographic and loan-level data to define eligibility criteria (age thresholds, exposure caps), strengthening underwriting discipline and reducing delinquency risk by 0.2%-Supported underwriting decisions by evaluating borrower risk profiles across consumer finance products and aligning credit policy updates with RBI guidelines to improve underwriting consistency and risk control-Monitored a ₹25+ Cr loan portfolio and conducted comparative analysis of NBFC credit policies to identify structural gaps and recommend risk mitigation measures, contributing to improved portfolio quality-Supported senior management in vendor-led repayment initiatives by analyzing bounce trends and recovery outcomes, contributing to a 0.5% reduction in bounce rates and improved portfolio performance.

Education

• Goa Institute of Management (GIM)

  PGDM

• Delhi University

  Bachelor of Commerce - BCom, Business/Commerce, General

  2017 — 2020