Ashish Bagewadi
Mumbai
Overview
2
2
years of professional experience
1
1
Certification
Work History
Retail Credit Analyst
HDFC Bank
Mumbai
06.2024 - Current
- Monitored and reviewed the Loan Against Shares (LAS) portfolio, ensuring compliance with RBI guidelines, internal credit policy, and risk appetite framework.
- Prepared and submitted monthly NPA provisioning reports for LAS, RTOD, and ODFD, in line with statutory and regulatory requirements.
- Developed and published monthly automated portfolio dashboards and LAS newsletters for senior management, supporting data-driven decision-making and regulatory transparency.
- Conducted quarterly EMR and Margin Call reviews, facilitating adherence to prudential norms and proactive risk mitigation.
- Led portfolio cleanup and DP corrections for high-risk exposures, aligned with RBI audit observations and internal control measures.
- Executed quarterly review and updates to the Approved Securities List, integrating regulatory circulars and market developments.
- Reviewed and authorized exception-based lending for HNW clients, ensuring alignment with product guidelines and regulatory permissions.
- Supervised offshore portfolios (Hong Kong, Singapore, Bahrain, Gift City), ensuring cross-border credit practices were consistent with applicable RBI/IFSC norms.
- Investigated default linkages of international clients, enhancing credit risk evaluation and regulatory compliance standards.
Credit Analyst
HDFC Bank
Mumbai
05.2023 - 07.2025
- Conducted in-depth research on the impact of RBI guidelines on digital lending, providing valuable insights into the evolving landscape of retail loans and payment business products.
- Investigated the challenges and factors contributing to the global growth of Unified Payments Interface (UPI), analyzing its adoption trends and identifying opportunities for enhancing digital payment systems.
- Developed a comprehensive understanding of current market dynamics and regulatory frameworks shaping the financial industry.
Education
MBA - Finance
Symbiosis Centre For Management And HRD
Pune, India03-2024
BBA - Finance And International Business
Symbiosis Centre For Management Studies (SCMS)
Pune, India03-2021
HSC - Commerce
BMCC
Pune, India03-2018
Skills
- Credit policy formulation and review
- Portfolio Risk Monitoring & Analytics
- NPA Provisioning & Regulatory Reporting
- Credit risk assessment
- Data-Driven Decision Making & Dashboard Automation
- Regulatory Compliance & RBI Guidelines
Certification
- CRISIL and NISM certified wealth manager
- Certification- Bloomberg Market Concepts
- Certification- Global Financial Markets, Rice University
Affiliations
- Solve Rubik's cube and Sudoku Puzzles
- Play Chess
- Play Classical Music.
Timeline
Retail Credit Analyst
HDFC Bank
06.2024 - Current
Credit Analyst
HDFC Bank
05.2023 - 07.2025
MBA - Finance
Symbiosis Centre For Management And HRD
BBA - Finance And International Business
Symbiosis Centre For Management Studies (SCMS)
HSC - Commerce
BMCC
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