Harshit Kumar

About Harshit Kumar

Dynamic and results-oriented Senior Data Analyst with 2+ years of experience in driving credit risk strategy, portfolio optimization, and policy design in the retail lending space. Currently leading critical risk initiatives for a major Indian NBFC through Ganit Business Solutions, where I manage a 5-member on-site team and collaborate with underwriting, product, and data engineering teams to deliver impactful business outcomes.My expertise spans Python, SQL, PySpark, Snowflake, Tableau, MongoDB, AWS (S3, SageMaker), and Excel. I specialize in building scalable data pipelines, developing risk models, automating eligibility logic, and designing credit policies that balance growth with risk. I’ve successfully led projects including loan tenure migration, underwriting policy restructuring, high-risk pool optimization, and partner portfolio expansion—delivering measurable impact in conversion, portfolio quality, and compliance.Academically grounded with an MSc in Analytics from Tata Institute of Social Sciences, Mumbai, and a B.Tech in Mechanical Engineering from NIT Surat. Passionate about using data to solve complex problems, streamline lending strategies, and empower financial decision-making at scale.

Experience

1. Consultant i Analytics

   EXL

   Sep 2025 — Present · Gurugram, IN

Education

• Tata Institute of Social Sciences

  Master of Science - MS, Analytics

• National Institute of Technology Surat

  Bachelor of Technology - BTech, Mechanical Engineering

  2013 — 2017