Pankaj Marathe
Credit Risk Analyst
Summary
Credit Risk Analyst with over 6 years of experience in retail and SME lending, with specialization in credit policy design, underwriting analytics, and portfolio risk management. Skilled in data-driven decision-making using SQL, Python, Power BI, and Data-bricks. Proven expertise in cross-functional collaboration and leading initiatives that optimize portfolio performance and ensure regulatory alignment.
Overview
6
6
years of professional experience
6
6
years of post-secondary education
3
3
Certifications
Work History
Senior Unit Manager – Risk Analytics
Bajaj Finserv Ltd
03.2025 - Current
- Promoted from Unit Manager for excellence in credit risk strategy
- Lead credit policy refinements and analytical initiatives across SME and PL portfolios
- Manage underwriting automation and bureau score optimization projects
- Collaborate with leadership on strategic risk decisions
- Deep bureau insights applied for segmentation and policy enhancement
Unit Manager – Risk Analytics
Bajaj Finserv Ltd
11.2021 - 02.2025
- Designed and deployed credit policies improving approval rates
- Developed Power BI dashboards to monitor risk KPIs
- Integrated Account Aggregator for underwriting enhancement
- Launched 'Zero Denial Program' with 20% increase in lead conversions
- Led campaign efficiency and sales funnel optimization initiatives
- Managed ECLGS & CGTMSE scheme claims and operations
Assistant Manager – Risk Management
Shriram Transport Finance Co. Ltd.
12.2018 - 11.2021
- Reported to CRO and handled credit risk for commercial vehicle loans
- Managed commercial vehicle loan product strategy and risk framework
- Performed product and regional analysis to mitigate emerging risk
- Worked with field ops to enhance portfolio quality
Education
Full Stack Data Science Program -
Jigsaw Academy
Bachelor of Engineering - Mechanical
Savitribai Phule Pune University
08.2015 - 08.2018
Diploma in Mechanical Engineering -
MSBTE
Nashik 06.2011 - 08.2014
Skills
- Credit Risk Assessment
- Strategic policy development
- Portfolio Management
- SQL
- Python
- Power BI
- Account Aggregator
- Data Analytics
- MS Office
- Machine Learning
Certification
Financial Risk Analytics – Great Learning
Awards
- BFL Hero’s Award, Bajaj Finserv-Dec'23
- BFL Hero’s Award, Bajaj Finserv-Jun'22
Project Highlights
- Loan Default Prediction – ML model for high-risk customer detection.
- Geo Clustering – Strategy optimization using performance clusters.
- Account Aggregator Integration – Underwriting enhancement.
- Risk KPI Dashboards – Real-time portfolio tracking.
Timeline
Senior Unit Manager – Risk Analytics
Bajaj Finserv Ltd
03.2025 - Current
Unit Manager – Risk Analytics
Bajaj Finserv Ltd
11.2021 - 02.2025
Assistant Manager – Risk Management
Shriram Transport Finance Co. Ltd.
12.2018 - 11.2021
Bachelor of Engineering - Mechanical
Savitribai Phule Pune University
08.2015 - 08.2018
Diploma in Mechanical Engineering -
MSBTE
06.2011 - 08.2014
Full Stack Data Science Program -
Jigsaw Academy
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