Kushagra Kaushik
AI-Driven Credit Risk & Financial Crime Analytics Specialist | AML, KYC, Risk Modeling | SQL • Python • Power BI | BFSI Risk Portfolio Expert
- Role
- Credit Relationship Manager at HDB Financial Services Ltd.
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Kushagra Kaushik
AI-driven Credit Risk and Financial Crime Analytics professional with 6+ years of experience across BFSI credit operations, AML-KYC compliance, transaction monitoring, and risk portfolio management.I work at the intersection of credit risk, compliance analytics, and AI-assisted decision systems — helping financial institutions reduce risk exposure, strengthen monitoring accuracy, and improve operational efficiency through data-driven and automation-led approaches.My experience includes credit portfolio risk monitoring, behavioral risk assessment, enhanced due diligence (CDD/EDD), suspicious transaction analytics, and regulatory compliance aligned with RBI, PMLA, FATF, and Basel frameworks.I actively apply SQL, Python, Power BI, and AI-assisted workflows to build risk dashboards, automate compliance checks, detect anomalous transaction patterns, and support risk-based decisioning.Core strengths include:• Credit risk analytics and portfolio monitoring• AI-assisted AML and transaction monitoring• Risk segmentation and early warning indicators• Compliance analytics and control validation• Automated reporting and risk dashboards• Data-driven underwriting and borrower profilingOpen to roles in AI-enabled Credit Risk, Financial Crime Analytics, Risk Modeling, FinTech Risk Strategy, and Compliance Analytics.
Experience
Credit Relationship Manager
Jan 2023 — Present · Gurugram, IN
Manage INR 150 Cr credit portfolio across 500+ accounts using risk segmentation and behavioral monitoring, maintaining NPA at ~1.5%• Apply data-driven borrower risk profiling and transaction behavior analysis to flag high-risk accounts early• Perform enhanced due diligence (EDD) using risk-based scoring and source-of-funds analytics• Detect recurring suspicious transaction patterns using query-based and rule-driven anomaly indicators• Support SAR and regulatory reporting using transaction analytics and risk signal correlation• Implement AI-assisted documentation validation workflows, reducing processing time by 35% and improving turnaround efficiency• Conduct credit appraisal, underwriting analytics, collateral risk review, and financial statement risk assessment
Education
Chaudhary Charan Singh University
M.com, Commerce
Delhi University
Bachelor's degree, Bcom
2013 — 2016
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