Harshil Bhatt
Summary
Credit Risk and Fraud Analytics Leader with 7 years of experience across global banks and consulting. Analytics-driven transformation spanning acquisition and portfolio strategy, risk modeling and fraud. Proven track record of building and leading teams, and partnering with senior leadership to deliver scalable, compliant, and innovative risk solutions across retail portfolios. Known for combining strategic thinking, execution excellence, and data science rigor to solve complex risk problems.
Overview
8
8
years of professional experience
Work History
PROJECT MANAGER,
EXL ANALYTICS (TD BANK, N.A.)
GURGAON
09.2024 - Current
- Headed and scaled the First Party Fraud (FPF) program for Credit Cards and Unsecured Lending.
- Led and mentored a team of 3 direct-report analysts and provided functional guidance to 2 analysts from horizontal analytics team.
- Built behavior-based FPF identification frameworks and deployed thematic mitigation strategies spanning acquisition decline, referral, product downsell, RCLI decline, CLD, and early-risk triggers.
- Maximized loss mitigation while optimally preserving approval rates and revenue, delivering total loss savings in excess of $8MM annually across all strategies and interventions.
- Partnered with senior leadership to define long-term fraud defense vision and translate into actionable analytics roadmap, owning project planning, timelines, resourcing, and budgets.
- Led vendor evaluations (LexisNexis, Sentilink) and POC for centralized enterprise risk repository with cross-product link analysis.
- Combated advanced fraud typologies such as synthetic IDs, bureau sleepers, credit washing, and credit-hungry behavior.
SENIOR MANAGER, CREDIT ANALYTICS & INNOVATION,
HDFC BANK
MUMBAI
10.2021 - 08.2024
- Played a full-spectrum credit risk role across retail lending.
- Consumer Durables : Acting Lead owning end-to-end credit analytics delivery across sourcing, policy, and risk monitoring. Revised STP, improved approval rates by 7% through multi model decisioning redesign at constant risk levels.
- Credit Cards : Designed and implemented line expansion experiments through spend based cohorts.
- Two Wheelers : Recreated the underwriting program to expand STP coverage to 80% of all new applicants. Checked proportion of applicants where bank has the first right of reject.
- Personal Loans : Led application funnel analysis, identifying drop-offs, policy frictions, and conversion leakage.
- Partnered to develop, validate, and monitor credit scoring models using application, bureau, and banking data within regulatory constraints.
- Utilized UPI transaction data to develop a risk scorecard and income estimation scorecard for credit expansion to NTC applicants for consumer durables, resulting in increased disbursals of over 60 crore annually.
- Acted as a bridge between business and technology teams to design and drive scalable analytics solutions.
ANALYST II, SECURITIES SERVICES AND COMPLIANCE,
CITI BANK
PUNE
07.2019 - 09.2021
- Worked on data-centric initiatives across two business units.
- Built a Data Intelligence Tool to monitor CitiKYC database integrity pre and post migration, proactively identifying data degradation risks.
- Automated reporting processes using Python, converting manual Sonar Reports into a one-click utility.
- Contributed to RPA initiatives and AI/ML-enabled chatbot development to support operations team.
- Leveraged NER, Topic Modelling to develop document search and retrieval utility across teams.
INTERN, ANALYTICS COE,
EDELWEISS FINANCIAL SERVICES
MUMBAI
07.2018 - 12.2018
- Built a Credit Scoring Engine for Loans Against Property to reduce delinquency.
- Developed ARIMA based forecasting model for WPI inflation.
Education
M.SC. MATHEMATICS & B.E. CHEMICAL ENGINEERING (INTEGRATED DUAL DEGREE) -
BITS Pilani, Pilani Campus
05.2019
Skills
- Credit Strategy
- First Party Fraud
- Risk Policy
- AI and ML, NLP
- Advanced Statistics
- Python, SQL, Excel
- Team Leadership
- Executive Communication
- Decision Storytelling
Certifications
Executive Program in General Management, IIM Calcutta
Mar'24 - Feb'25
PGP in Artificial Intelligence & Machine Learning, McComb's School of Business, UT Austin
Jul'22 - Jul'23
Accomplishments
Best Manager Award - EXL Analytics (Q3'25)
Silver Star Award - HDFC Bank (Q4'22 and Q2'24)
Silver Star Award - HDFC Bank (Q4'22 and Q2'24)
Timeline
PROJECT MANAGER,
EXL ANALYTICS (TD BANK, N.A.)
09.2024 - Current
SENIOR MANAGER, CREDIT ANALYTICS & INNOVATION,
HDFC BANK
10.2021 - 08.2024
ANALYST II, SECURITIES SERVICES AND COMPLIANCE,
CITI BANK
07.2019 - 09.2021
INTERN, ANALYTICS COE,
EDELWEISS FINANCIAL SERVICES
07.2018 - 12.2018
M.SC. MATHEMATICS & B.E. CHEMICAL ENGINEERING (INTEGRATED DUAL DEGREE) -
BITS Pilani, Pilani Campus