Jithendra Pandula
Manager @Bharat Financial Inclusion Limited (100% subsidiary of IndusInd Bank Ltd.)
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WORK HISTORY
Manager @Bharat Financial Inclusion Limited (100% subsidiary of IndusInd Bank Ltd.)
Hyderabad, IN
Developed Power BI MIS dashboards for retail lending portfolios, partnering with business, credit, and collections teams to track disbursements, account onboarding, applications, CPV, and portfolio performance with day-wise, MoM, YoY, and QoQ views.Built credit risk and NPA monitoring frameworks including Expected NPA projections, GNPA movement, NPA regularization, static pool, and flow-rate analysis across DPD buckets (0+ to 90+), enabling early delinquency detection and recovery planning.Delivered branch/region/zone-level collection analytics, measuring gross, net, and on-time collection efficiency, arrears migration, and recovery trends to support lending risk control and operational optimization.
EDUCATION
Velagapudi Ramakrishna Siddhartha Engineering College
Master of Technology - MTech, VlSI and Embedded systems
Godavari Global University
Bachelor of Technology - BTech, Electrical, Electronics and Communications Engineering
ABOUT JITHENDRA PANDULA
Experienced Data Analyst with strong expertise in gathering business requirements from stakeholders and translating them into insightful Power BI dashboards. Proven ability to analyze retail lending and credit risk data to support strategic and operational decision-making.Built and automated Power BI MIS dashboards for retail loan portfolios, tracking Disbursements, AUM, Account Onboarding, Application Funnel, CPV TAT, Rejection %, Holding %, and Disbursement % with D/D, MoM, YoY, and QoQ performance views.Designed credit risk and asset quality dashboards covering Expected NPA (ECL-style projections), GNPA movement (Opening GNPA + Fresh Slippages – Recoveries = Closing GNPA), NPA regularization, Static Pool, and Roll Rate/Flow Rate analysis across DPD buckets (0+, 30+, 60+, 90+).Delivered collections and recovery MIS at branch/region/zone level, monitoring Gross Collection Efficiency, Net Collection Efficiency, On-Time Collection Rate, Arrears %, Slippage %, Roll-Forward/Roll-Back rates, enabling tighter portfolio control and risk mitigation.
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