BHARAT PRAKASH
Mumbai
Summary
Professional successful at evaluating and distilling complex financial data. Excels at cultivating and maintaining strong client relationships. Stays current on developments across multiple industries to best serve clients with fresh, accurate and relevant information and mitigate potential impacts.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Manager, Innovation Labs
HDFC Bank Ltd.
Mumbai
05.2023 - Current
- Managed credit data flow lifecycle, ensuring seamless integration and oversight of data from NBFCs.
- Working with cross-functional teams to deliver digital Straight Through Processing (STP) experience, enhancing both business and personal loan journeys for customers.
- Engaging in commercial discussions and the development of master agreements, ensuring compliance with regulatory standards and organizational policies
- Leveraged data analytics to drive improvements in product features and overall user experience.
- Collaborating with IT and development teams to define technical requirements, and ensure seamless implementation of product updates and new functionalities.
- Ensured strategic alignment by analyzing market data and conducting comprehensive competitive evaluations.
- Orchestrated the onboarding process for NBFCs into co-lending initiatives, crafting and implementing procedures for co-lending model 1 & model 2 from the ground up.
- Scaled co-lending from ₹1 crore/ month to ₹7 crores/ month across 2 partners
- Decreased co-lending TAT from 11 days to 4 days by automating essential MIS reports.
- Implemented a feedback loop mechanism with stakeholders to continuously refine co-lending processes, leading to improvement in process efficiency
Intern
HDFC Bank
Mumbai
04.2022 - 06.2022
- Developed interactive dashboard utilizing Power BI, automating report generation for the recovery of default loans, enhancing visibility and tracking of recovery efforts
- Drove research on the utilization of social media data in the creation of credit scores and the recovery of loans, providing valuable insights for strategic decision-making
Programmer Analyst
Cognizant Technology Solutions
Kolkata & Bangalore
11.2019 - 07.2021
- Managed enhancement projects and streamlined business processes in the Tibco layer for a Fortune 500 BFSI client, guaranteeing reliable system operations.
- Provided subject-matter expertise on the Tibco layer, addressing complex inquiries and ensuring stakeholder satisfaction.
- Streamlined developer training by emphasizing practical understanding of application features and optimized deployment workflows. Curated solutions to address potential Tibco layer exceptions and failures.
- Achieved a 20% reduction in processing errors through targeted enhancements, enhancing overall client satisfaction.
- Built an extensive library of solutions for frequent Tibco layer problems, decreasing resolution times by 50%
- Instrumental in deployment of three significant upgrades, boosting client's operational efficiency.
Intern
Hindustan Aeronautics Limited
Bangalore
08.2018 - 08.2018
- Gained comprehensive insights into different types of aircraft and their production processes through live demonstrations of manufacturing techniques
- Developed an understanding of various production and assembly departments, along with the equipment and technologies utilized in these workshops
- Compiled and submitted a detailed report outlining observations and potential avenues for improvement that could enhance efficiency and production quality
Education
PGDM - Finance And IT
T A Pai Management Institute
05-2023
Bachelor of Engineering - Mechanical Engineering
Visvesvaraya College of Engineering
05-2019
Skills
- Financial Product Development
- Requirement Gathering & Analysis
- Co-Lending Models and Frameworks
- Digital Transformation
- User Acceptance Testing
- Risk Management Frameworks
- Customer Experience Optimization
- Stakeholder Engagement
- Process Optimization Techniques
- Strategic Partnership Development
- Product management
- User experience design
- Agile methodology
- Stakeholder engagement
- Regulatory compliance
- Project management
- Data integration
- Business process improvement
- Problem solving
- Effective communication
- Product strategy
- Data analytics
- Category growth
Certification
- NISM Certified Research Ananlyst - 2025
- Bloomberg - Market Concepts, 01/01/21
- Microsoft Excel - Excel from Beginner to Advance by Udemy, 01/01/21
- Lean Six Sigma Green Belt, DMAIC Methodology & Process Improvement by KPMG, 01/01/21
Skills
- Python
- SQL
- Power BI
- Tableau
- Microsoft Excel
- Microsoft Word
- Microsoft PowerPoint
Personal Information
Date of Birth: 12/30/97
Languages
- English
- Hindi
- Kannada
- Konkani
Timeline
Manager, Innovation Labs
HDFC Bank Ltd.
05.2023 - Current
Intern
HDFC Bank
04.2022 - 06.2022
Programmer Analyst
Cognizant Technology Solutions
11.2019 - 07.2021
Intern
Hindustan Aeronautics Limited
08.2018 - 08.2018
PGDM - Finance And IT
T A Pai Management Institute
Bachelor of Engineering - Mechanical Engineering
Visvesvaraya College of Engineering
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