Bhaavya Maheshwari
Navi Mumbai
Summary
Result-oriented risk professional with four years of expertise in credit risk analysis and model governance. Proficient in developing scalable analytical tools, and ensuring regulatory compliance, while delivering strategic insights to stakeholders. Experienced in cross-functional collaboration and executive reporting, with a proven track record in team leadership and performance optimization. Committed to continuous improvement and delivering effective, data-driven solutions in high-performance environments.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Consultant- II
EXL Service
07.2024 - Current
- Led validation and implementation of a new credit model, ensuring its alignment with business objectives, contributing to a 32% improvement in performance metrics.
- Managed end-to-end governance process for credit risk reporting including internal controls, validation checkpoints, and exception tracking.
- Prepared detailed reports and presentations for senior stakeholders, providing actionable insights and recommendations to support strategic decision-making processes.
- Led high-impact reporting automation projects, creating QlikView dashboards that consolidated market and risk insights across global portfolios for senior leadership.
- Oversaw schedule-driven reporting cycles and ad-hoc data response requests from internal leadership teams.
Consultant- I
EXL Service
01.2023 - 07.2024
- Conducted comprehensive credit risk assessments for corporate client working in geographically diverse locations, utilizing advanced statistical models and data analysis techniques to evaluate market-wise impairment and identify potential risks.
- Implemented risk mitigation strategies to optimize lending decisions and minimize credit losses, resulting in optimal provisioning for loans disbursed and reduction in NPL by 22% over two years.
- Ensured compliance with internal risk frameworks and audit requirements by maintaining clear documentation and model logs.
- Designed frameworks for automation and workflow improvements, saving manual effort and increasing team productivity by 40%.
- Mentored team members and managed onboarding programs to strengthen cross-functional capabilities.
Business Analyst
EXL Service
07.2021 - 01.2023
- Supported data collection and risk evaluation tasks, building initial proficiency in handling sensitive data accurately.
- Assisted in credit risk assessments and impairment analysis with a focus on accuracy and process consistency.
- Developed early-stage performance reports and dashboards to support credit strategy analysis.
- Supported internal onboarding activities for new hires in the team by documenting workflows, ensuring tool access provisioning, and facilitating training schedules.
- Drafted and validated team-specific control reports and checklists for internal use.
Intern
Reliance Jio Infocomm
11.2019 - 12.2019
- Network Architecture and Design for IOT Services
Intern
NexGen Industrial Solutions Pvt. Ltd.
06.2019 - 06.2019
- PLC programming using Ladder Logic (Siemens S7 1200)
Education
B.Tech. - Electronics and Communication Engineering, Data Science
Manipal Institute of Technology
Manipal, Karnataka08.2021
Higher Secondary Education -
Pace Junior Science College
Navi Mumbai, Maharashtra05-2017
Secondary Education -
Delhi Public School
Navi Mumbai05-2015
Skills
- Credit risk analysis (IFRS 9 standards)
- Model validation and governance
- Financial data analysis and visualization
- Scenario analysis and performance attribution
- Strategic data storytelling and executive reporting
- Stakeholder management and leadership support
- Cross-functional team collaboration
- Reporting automation and process optimization
- Microsoft Excel and PowerPoint proficiency
- SQL and Python
- Data visualization tools (Power BI and Tableau)
Certification
- EXL’s Data Analytics and Rapid Training Program, Great Learning
- Data Science Specialization, Coursera (Specialization) John Hopkins University
- Introduction to the Internet of Things and Embedded Systems, Coursera University of California, Irvine
Accomplishments
- The Emerging Analyst Award, Q2’22, EXL Service
- HR & Women in Engineering HEAD, IEEE Student Branch, Manipal, 07/01/19, 07/01/20
- Category Head / Organizers, Multiple national level technical and cultural fests (MIT Manipal), 01/01/17, 12/31/20
- Winner, Theatre competitions with Dramatics Club (IIM-B Unmaad, MIT Revels)
Languages
Hindi
First Language
English
Proficient (C2)
C2
Interests
- Marketing
- Traveling
- Alternate medicine exploration
Timeline
Consultant- II
EXL Service
07.2024 - Current
Consultant- I
EXL Service
01.2023 - 07.2024
Business Analyst
EXL Service
07.2021 - 01.2023
Intern
Reliance Jio Infocomm
11.2019 - 12.2019
Intern
NexGen Industrial Solutions Pvt. Ltd.
06.2019 - 06.2019
B.Tech. - Electronics and Communication Engineering, Data Science
Manipal Institute of Technology
Higher Secondary Education -
Pace Junior Science College
Secondary Education -
Delhi Public School
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