Manish Singh

Experience

• 

  Collabera Inc.

  Apr 2022 - Jun 2022

  Financial Analyst
• 

  HDFC Bank

  Apr 2023 - now

  Credit Risk and Strategy Analyst

  Utilized Python/R/PowerBI to automate dashboard creation and monthly portfolio updates, integrating sourcing trends and portfolioanalysis for efficient reporting.Monitored the riskiest segment of the portfolio and successfully reduced by 55% new disbursements in this segment within six months.Conducted a study on borrowers' disposable income, identifying 10% of the portfolio as the most stressed and overleveraged, andimplemented strategic changes to reduce new disbursements in that segment.Assisted in developing a digital loan STP journey by streamlining processes to achieve instant approval, reducing Turnaround Time (TAT)from 1-2 hours to instantaneous, and ensuring comprehensive underwriting assessments for all applications, thereby approving onlyqualified cases and mitigating associated risks.Reviewed and validated three pivotal machine learning models (AI, ML) developed by the analytics team, utilizing credit risk analysisexpertise to identify and fortify model weaknesses, ensuring their reliability and efficacy.Led the development and distribution of the Credit Policy for the Unsecured Loans division of the bank.Helped the team to develop technical proficiency in building dashboards, models, and data extraction. Show less