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Rachit Kanaujia

@rachitkanaujia

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I build financial risk insights and BI dashboards with Python and SQL.

India

Message

What I'm looking for

I'm looking to apply my BFSI credit and portfolio-risk experience with Python, SQL, Power BI, and Tableau to build dashboards, automate reporting workflows, and support strategic business decisions.

I've managed credit risk, financial underwriting, and portfolio performance across Piramal Capital & Housing Finance, HDB Financial Services, and ICICI Home Finance.

At HDB Financial Services, I managed a ₹16 crore retail loan portfolio and underwrote 1,125+ proposals while maintaining a 30+ DPD delinquency rate of 2.39%. I reduced turnaround time to 10–15 days by optimizing data-verification workflows and prepared MIS reports, business dashboards, and portfolio-health metrics.

I've built analytics projects including a Loan Portfolio Risk & Delinquency Dashboard using SQL, Python, and Power BI, analyzing 50,000+ historical financial records. I also developed an end-to-end Streamlit BI platform with 20+ KPIs, 30+ Plotly visualizations, and automated PDF, Excel, and CSV reporting.

I combine BFSI credit expertise with Python, SQL, Tableau, Power BI, and advanced Excel to turn risk and business data into practical decisions.

Experience

Work history, roles, and key accomplishments

Credit Manager

Piramal Capital & Housing Finance Ltd.

Nov 2023 - Feb 2025 (1 year 3 months)

Managed credit risk evaluation and financial underwriting for retail lending products within delegated approval authority. Conducted financial statement analysis, repayment capacity modeling, and risk compliance audits.

Credit Risk Financial Underwriting Financial Statement Analysis Risk And Compliance Portfolio Management Cross Functional Collaboration

Branch Credit Manager

HDB Financial Services Ltd.

Jun 2018 - Nov 2023 (5 years 5 months)

Monitored and managed a ₹16 crore retail loan portfolio while underwriting 1,125+ proposals. Maintained portfolio risk metrics, achieving a low 30+ DPD delinquency rate of 2.39%.

Credit Underwriting Portfolio Management MIS Reporting Data Verification FinnOne LOS Excel

Credit Processor Associate

ICICI Home Finance Ltd.

Nov 2016 - Dec 2017 (1 year 1 month)

Performed financial document appraisal, KYC/bureau verification, and preliminary risk assessment. Maintained database accuracy using FinnOne LOS and assisted underwriting teams with credit proposal reports.

KYC Risk Assessment Database Management FinnOne LOS Credit Reporting