Pushpit Chhabra
Senior Associate - Risk and Policy @Hero FinCorp
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WORK HISTORY
Senior Associate - Risk and Policy @Hero FinCorp
New Delhi, IN
Lead and manage multiple automation projects to enhance efficiency, accuracy, and risk management capabilities within the lending department.• Computation of Probability of Default (PD), Loss Given Default (LGD) and Expected Credit Losses (ECL) on the corporate loan portfolio.• Conduct stress testing on the lending portfolio by designing methodologies and scenarios that adequately capture potential risks and vulnerabilities.• Monitor and review loan portfolios to identify potential risks, analyze trends and propose actions to mitigate risk exposure.• Contribute to the development and improvement of lending policies and procedures.• Prepare and present risk reports to senior management and other stakeholders, highlighting key risk metrics, portfolio performance, Through-the-Door analysis, and recommendations for risk mitigation.• Contribute to the preparation of the annual operating plans for the vertical and company.• Collaborate with other teams such as credit, collections, legal and sales departments to ensure effective risk management and resolution of issues related to loan portfolio performance.• Conduct bureau analysis to identify trends, potential risks, and unearth business opportunities.• Regulatory reporting and audit support – internal and statutory.
EDUCATION
Simplilearn Alumni
Masters Program, Business Analytics Expert
Punjab Technical University
B.Tech, Electronics and communication Engineering
University Business School, Panjab University
Master of Business Administration (MBA), Marketing and Operations
Government Model Senior Secondary School- 35, Chandigarh
10+2, PCM
Seth Anandram Jaipuria School, Kanpur
10th
SKILLS
ABOUT PUSHPIT CHHABRA
Management professional with diverse experience across Credit Risk and Sales within the BFSI sector, combining domain expertise with practical exposure to IT implementation in live business environments. Skilled in credit risk modeling and scorecard development, with hands-on experience in ECL, PD, LGD, and EAD frameworks, portfolio monitoring, and regulatory reporting.I have a proven ability to translate data into actionable insights that optimize risk-return trade-offs and improve portfolio performance. On the sales side, I bring experience in sales strategy, channel partner management, and cross-functional collaboration to drive results.Known for my solution-oriented mindset, strong negotiation skills, and ability to navigate fast-paced, evolving environments. I’m passionate about leveraging analytics and credit risk expertise to solve complex problems and deliver meaningful business impact.
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