Rajat Kumar
Credit Risk and Business Analyst | Bajaj Finance Limited
- Role
- Credit and Risk Analyst at Bajaj Finserv
- Location
- Pune District, MH, IN
- LinkedIn followers
- 500 followers
About Rajat Kumar
Credit Risk and Business Analyst with 6+ years of experience in credit risk management, regulatory compliance, and business process optimization. Skilled in developing credit risk models (PD, LGD, EAD), Product Policy formulation, and fraud analysis using SQL, and Power BI. Proven track record in gathering requirements, documenting user stories, and delivering regulatory and risk-based projects using Agile methodology. Adept at API integration, stakeholder communication, and dashboard development to support data-driven decision-making. Strong command of governance frameworks, KYC norms, and cross-functional collaboration across underwriting, finance, and operations.
Experience
Credit and Risk Analyst
Sep 2023 — Present · Pune, IN
Manage credit risk across diverse portfolios, ensuring prudent lending practices and full regulatory compliance. • Assess credit exposures using historical trends, financial analysis, and advanced analytics tools. • Design and deploy credit risk models (PD, LGD, EAD) and formulate product policies for commercial lending. • Monitor portfolio performance, identify emerging risks, and deliver actionable insights to senior stakeholders. • Conduct client risk profiling, eligibility checks, and creditworthiness assessments using CIBIL data and repayment history. • Ensure adherence to RBI guidelines, KYC norms, and internal audit standards through rigorous due diligence and fraud analysis. • Collaborate with underwriting, finance, and collections teams to align risk strategies and strengthen operational controls. • Develop and maintain Power BI dashboards to visualize KPIs, support strategic decisions, and enhance risk governance. • Demonstrate strong command of credit risk frameworks, regulatory compliance, and governance standards. • Communicate effectively with stakeholders and solve complex problems in high-risk, data-intensive environments.
Education
Himachal Pradesh Technical University (HPTU)
Master of Business Administration - MBA, Finance
Himachal Pradesh University
Bachelor of Business Administration - BBA, Accounting and Business/Management
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