ABHIMANYU BHATIA
Jaipur
Summary
Credit risk professional with hands-on experience in credit card and personal loan portfolio management within retail banking. Currently managing end-to-end risk monitoring at AU Small Finance Bank, with strong exposure to early warning systems (EWS), delinquency analytics, policy monitoring, and senior management reporting. Experienced in tracking portfolio performance through static pool analysis, MOB tracking, bounce trends, FEMI behavior, and lagged risk indicators. Previously worked with S&P Global Market Intelligence, building a strong foundation in banking, financial analysis, supported by formal training in financial modeling, and applied finance capstone projects.
Overview
8
8
years of professional experience
Work History
Credit Risk Manager
AU Small Finance Bank
12.2022 - Current
- Actively manage and monitor Credit Card and Personal Loan portfolios, with ownership of portfolio-level risk analytics and performance tracking.
- Track Early Warning Signals (EWS) including FEMI trends, current bucket movement, bounce behaviour, lagged delinquency indicators, and customer repayment patterns.
- Perform MOB-wise portfolio tracking to assess risk seasoning, vintage performance, and behavioural stability.
- Conduct static pool analysis to evaluate cohort-wise delinquency build-up, roll rates, and loss emergence.
- Monitor bounce trends, delinquency flow rates, and bucket movement to identify stress pockets and emerging risk themes.
- Prepare regular MIS and dashboards highlighting portfolio health, risk triggers, and actionable insights for senior management.
- Analyze portfolio growth, yield, and lending rate sustainability(Personal Loan) to assess expected profitability.
- Evaluate emerging market and portfolio risks, recommending credit policy calibrations where required.
- Analyze rating migrations and portfolio movement across profiles and segments.
- Ensure adherence to RBI regulatory guidelines and internal risk governance standards.
- Conduct periodic reviews for credit limit enhancements and policy exceptions.
- Support board-level and senior management presentations on portfolio performance and risk outlook.
- Contribute to data quality improvement initiatives, enabling more reliable forecasting and risk assessment.
Financial Data Analyst
S&P Global Market Intelligence
08.2017 - 12.2022
- Processed and analyzed US banks’ GAAP financials including 10-K, 10-Q, and regulatory filings.
- Performed detailed analysis of balance sheets, P&L, and cash flow statements of banking institutions.
- Identified non-recurring events, M&A activity, and accounting policy changes impacting financial performance.
- Prepared financial and risk-focused reports for global institutional clients.
- Collaborated with audit and quality teams to ensure high data accuracy and compliance.
Education
Financial Modeling & Investment Banking -
Boston Institute Of Analytics
03-2025
Certificate Programme in Applied Finance (CPAFRM) -
IIM Indore
09-2024
MBA (Finance & Marketing) -
R.A. Podar Institute of Management
03-2017
Bachelor of Commerce (B.Com) -
Rajasthan University
03-2012
Skills
- Credit card and personal loan management
- Risk analytics and reporting
- Delinquency and roll rate analysis
- Early warning systems monitoring
- Behavioural and static pool tracking
- Financial statement analysis
- Excel, PowerPoint, and Power BI proficiency
- Management information systems (MIS)
- Dashboard creation and management
Accomplishments
- Bravo Award – AU Small Finance Bank
- Overdrive Award – AU Small Finance Bank
- Certified Lean Facilitator – S&P Global
- Zero Defect Award (Silver)
- Fundamental Champ (3 times)
Timeline
Credit Risk Manager
AU Small Finance Bank
12.2022 - Current
Financial Data Analyst
S&P Global Market Intelligence
08.2017 - 12.2022
Financial Modeling & Investment Banking -
Boston Institute Of Analytics
Certificate Programme in Applied Finance (CPAFRM) -
IIM Indore
MBA (Finance & Marketing) -
R.A. Podar Institute of Management
Bachelor of Commerce (B.Com) -
Rajasthan University